Construction and Contractors

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.

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.

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.

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.