Specialist insurance solutions for complex construction risks. Protecting contractors and projects from planning to practical completion.
Specialist insurance solutions for complex construction risks. Protecting contractors and projects from planning to practical completion.
As a specialist broker, Specialist Risk Group (SRG) combines decades of sector experience with deep market insight. Our strong insurer relationships and considerable leverage enable us to deliver robust cover, bespoke solutions, and in-house claims support, keeping every project moving with confidence.
The construction sector faces ongoing pressures – from evolving regulations and rising material costs to labour shortages and supply chain delays. Complex projects, multiple contractors, tight timelines, and contract challenges can all heighten exposure to accidents, disputes, and financial loss. With increasing scrutiny around safety and compliance, having the right protection in place is essential to keeping projects moving and businesses secure.
Risk of physical damage to works in progress, materials, and temporary structures.
Guidance on choosing and structuring Owner-Controlled Insurance Program (OCIP) or Contractor-Controlled Insurance Program (CCIP) insurance, depending on project needs.
Flexible options for ongoing contractor activity or individual projects.
Loss or damage to owned and hired plant and machinery.
Allegations of employee injury, third-party damage, and site liability exposures.
Pollution events, contamination, and long-tail site liabilities.
Remedying damages as a result of inherent defect(s) in completed buildings and developments.
Project cash flow, payment obligations, and supply chain exposure.
Performance, payment, and other contract bonds to meet contractual and licensing requirements.
Alleged design or professional errors within contractor-led projects.
Land acquisition and project viability, including title, rights of light, and judicial review risks.
We arrange cover for all types of construction and contracting businesses, with specialist expertise across the following trades:
Protection against cyber attacks, data breaches, and disruption affecting productions, content, and business operations.
Protection for third-party injury or property damage during remediation work.
Coverage for costs arising from product withdrawal following contamination, safety concerns, or regulatory intervention.
Insurance for materials, tools, and equipment while being transported.
Protection that helps your business maintain income and operating stability following insured physical damage or disruption.
Professional Indemnity for surveying, reporting, and remediation oversight.
Protection against data breaches affecting project files, reports, and site records.
Protection from internal and external fraudulent activity such as theft, dishonesty, and forgery.
Coverage for commercial vehicles, from vans to HGVs, managed under one policy.
Specialist trade credit insurance protecting businesses against financial loss when customers fail to pay for goods or services supplied on credit terms.
Every contractor has a different risk profile. We look at how you operate, the contracts you take on, your plant, your people, and your exposure on site. Then we build a programme that fits the way you work – not a generic package.
It depends on how you trade. Annual cover works for contractors with consistent activity across multiple sites. Project-specific policies can be more effective for large, complex or high-value builds. We guide you through both options and recommend the most efficient route.
Owner-Controlled (OCIP) and Contractor-Controlled (CCIP) programmes centralise insurance for everyone on site. OCIPs put control with the project owner; CCIPs place it with the main contractor. We help you decide based on contract requirements, cost efficiency and the complexity of the supply chain.
Contract Works covers physical damage to the works, materials, and temporary structures during construction. If there’s a fire, flood, collapse or theft, it funds reinstatement so the project keeps moving.
Yes. Owned plant and hired-in plant are treated differently by insurers and under hire agreements. We make sure both are correctly insured to avoid unexpected charges after a loss.
Design and professional risks sit outside standard liability policies. We secure specialist protection for contractor-led design, including Latent Defects and Professional Indemnity where needed.
Delayed Start-Up and frustration cover help protect cash flow when insured events push a project off schedule. We help you secure the right cover, so you aren’t left carrying the financial impact alone.
We carry out discreet reviews of your contracts, plant use, subcontractor arrangements and site practices. This highlights any gaps in cover or unnecessary spend, giving you clarity and control.
Your liability can still be triggered. We help you structure contracts, review subcontractor insurance, and ensure your own cover responds correctly to site-wide activity.
Clear safety processes, robust documentation, plant maintenance, and strong subcontractor control all help. Our specialist team give practical, sector-specific guidance that improves your business’s risk profile and enhances your negotiating position with insurers.
We have a multi-award-winning in-house claims team. They manage the process directly with insurers, accelerate progress and push for fair outcomes, helping to get your project back on track quickly.
Yes. We arrange performance bonds, payment bonds and other surety solutions to meet contractual or licensing requirements and keep projects moving without delay.
Yes. Construction firms are heavily targeted due to large payments, supply-chain complexity and increasing digital project management. Cyber and Crime cover protects you from ransomware, invoice fraud, data breaches, internal dishonesty and more.
Yes, we place over £2BN GWP into global insurance markets and we support contractors trading domestically and internationally.
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You can easily contact us by filling out the form. Once you have submitted your enquiry, one of our friendly colleagues will reach out to you.