Construction & Infrastructure.

Physical construction policies do not cover design errors. Professional Indemnity insurance is required for design, engineering, certification and advisory services, including design-and-construct responsibilities.

Plant and Machinery insurance covers loss, damage or breakdown of owned or hired equipment, including excavators, cranes and specialist machinery. Hire agreements often impose strict insurance obligations on contractors.

Yes. Delay in Start-Up or Contract Delay insurance can cover financial loss arising from insured damage that delays project completion, subject to policy structure and trigger events.

Environmental Liability insurance can respond to pollution incidents, contamination, remediation costs and third-party claims arising during construction, where such risks are excluded under standard liability policies.

Cyber incidents can disrupt project management systems, payment processes, design data and supply chains. Cyber insurance helps protect against ransomware, data breaches and operational disruption.

Joint ventures require careful structuring to ensure all parties are correctly insured, liabilities are aligned to contractual risk allocation, and policy limits respond appropriately across multiple stakeholders.

Failure to comply can result in breach of contract, withheld payments, termination rights or uninsured exposure. Insurance should be reviewed against contractual agreements before work commences.

Insurance should be reviewed at tender stage, contract award, project commencement, scope changes, variations and renewal. Changes in value, design responsibility or delivery method can materially affect coverage.