Our Insurance Covers
We can offer construction insurance covers that protect all aspects of your business. Some businesses will have greater exposures than others, and we are happy to recommend different covers for your business.
For companies in the construction sector, we will always recommend a minimum of;
£5,000,000 Public & Products Liability
£10,000,000 Employers’ Liability
We will then discuss further requirements around your business and the work that you do – as we know that no business is the same. If you’re ever unsure about whether we can find the right construction insurance policies for you, just get in touch.
Employers’ Liability
Protects the employer against claims made by employees who are injured or become ill as a result of their work.
Public and Products Liability
Protects companies against claims of personal injury or property damage made by third parties.
Contractors All Risks
Damage to the building or structure under construction and also covers construction tools, plant, and materials on site.
Personal Accident
Offers lump sum payments or weekly benefits in the event of accidental bodily injury, permanent disability, or death.
Single Project Insurances
We offer the covers above but for single and one-off project covers.
Performance Bonds
A performance bond is a guarantee – usually issued by a bank or insurance company (called a surety) – that ensures the contractor will fulfill their contractual obligations.
Health and Life Cover
We have Key Partners who are able to provide a wide range of products and specialise in this sector. Products include Key Man, Private Medical, Shareholder Protection, Executive Income Protection and Relevant Life Cover.
Professional Indemnity
Is a type of business insurance that protects professionals who provide advice, designs, or services to clients against claims of negligence or mistakes.
Management Liability
Protects company directors, officers, and the business itself against legal costs and claims arising from managerial decisions or actions.
Environmental Impairment
Environmental Impairment Liability (EIL) insurance provides protection against the financial risks associated with pollution and environmental damage.
Personal Lines
We have Key Partners who are able to provide a wide range of products and specialise in this sector. Please contact us for more information.
Material Damage
A policy that protects a business against damage to property and can extend to cover the resulting financial losses due to interruption of operations.
Cyber Package
Provides protection against financial losses and liabilities resulting from cyber incidents, such as data breaches, ransomware attacks, and system failures.
JCT 6.5.1
Protects the employer against claims from adjacent property owners for damage caused by construction (e.g., vibration, subsidence) even when no negligence is proven.
Short-Term Vehicle Cover
We have Key Partners who are able to provide short-term vehicle cover including young or learner drivers for up to 30 days. Please contact us for more information.