Insurance Requirements for Construction Tenders & Contracts

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Insurance guidance for JCT, NEC, principal contractors and subcontractors

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We work with insurers recognised by major contractors and developers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE REQUIRED BY TENDERS & CONTRACT CONDITIONS

Why Contract Insurance Compliance Matters

Most construction tenders and standard forms of contract impose strict insurance requirements. Failure to meet stated limits, wording or endorsements can result in disqualification, contract termination or uninsured exposure. Insure24 ensures your policies align with contract conditions before submission.

Typical Insurance Clauses in Construction Contracts

Common requirements found in JCT, NEC and bespoke construction contracts.


  • Minimum public liability limits (£5m–£10m typical)
  • Employers’ liability (£10m legal minimum)
  • Professional indemnity (design responsibility)
  • Contract works insurance responsibilities
  • Indemnity to principal clauses
  • Joint names requirements
  • Policy period and run-off requirements

JCT, NEC & Sub-Contractor Insurance Explained


  • JCT – defined insurance options (A, B, C)
  • NEC – core clause insurance obligations
  • Sub-contractor flow-down requirements
  • Design & build PI obligations
  • Collateral warranty insurance implications
  • Termination and non-compliance risks

Why Choose Insure24


  • Contract-aware insurance review
  • Tender compliance checks before submission
  • Certificates aligned to contract wording
  • Support for principal & subcontractors
  • UK construction insurance specialists

FREQUENTLY ASKED QUESTIONS

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What insurance is required for construction tenders?

Most tenders require public liability, employers’ liability and often professional indemnity insurance at specified limits. Requirements vary by contract and client.

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Can incorrect insurance invalidate a contract?

Yes. Failure to comply with contract insurance clauses can result in rejection, termination or uninsured liability exposure.

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