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CONSTRUCTION ENGINEERING INSURANCE THAT PROTECTS YOUR PROJECTS
Why Construction Engineering Insurance Matters
Construction and engineering projects involve significant risks including site accidents, property damage, professional liability, and third-party claims. A single incident can result in project delays, substantial financial losses, and legal complications. Insure24's construction engineering insurance provides comprehensive protection for your projects, teams, and business, ensuring you can complete projects safely and recover quickly from unexpected incidents.
Comprehensive Construction Engineering Coverage
Protect your construction and engineering operations with tailored insurance solutions covering projects, liability, and professional risks.
- Employers Liability - Coverage for employee injuries and illnesses arising from work activities on construction sites and engineering projects.
- Public Liability - Protection against third-party bodily injury and property damage claims arising from your construction and engineering operations.
- Professional Indemnity - Coverage for claims arising from professional negligence, design errors, or breach of professional duty in engineering services.
- Contract Works - Protection for materials, equipment, and work-in-progress on construction projects against damage or loss.
- Plant and Equipment - Coverage for construction machinery, tools, and equipment against theft, damage, and breakdown.
Common Construction Engineering Risks
- Site accidents and employee injuries
- Damage to third-party property
- Professional design and engineering errors
- Equipment breakdown and failure
- Theft and vandalism on site
- Weather-related project delays
- Regulatory compliance violations
- Defects in completed work
Why Choose Insure24
- Construction Expertise - Our specialists understand construction and engineering risks and can tailor coverage to your specific project types.
- Comprehensive Solutions - We offer integrated insurance packages covering all aspects of construction and engineering operations.
- Fast Claims Response - Rapid support and settlement when incidents occur, with dedicated construction claims teams available 24/7.
- Competitive Pricing - Affordable premiums for comprehensive construction engineering coverage without compromising on protection quality.
How to Get Construction Engineering Insurance
- 1. Get a Quote - Provide details about your projects, team size, project values, and claims history.
- 2. Review Coverage - Our team explains your options and recommends appropriate coverage limits for your construction and engineering operations.
- 3. Customise Your Policy - Adjust coverage limits, deductibles, and add optional protections based on your specific project needs.
- 4. Purchase & Activate - Complete your purchase and receive immediate coverage confirmation for your construction projects.
When a site incident occurred, Insure24's construction insurance covered all costs and provided excellent support. Their expertise in the construction industry was invaluable to our business
Robert K., Construction Project ManagerPROTECT YOUR CONSTRUCTION OPERATIONS
- Employee injury and medical costs
- Third-party injury and property damage claims
- Professional negligence and design error claims
- Equipment repair and replacement costs
- Project materials and work-in-progress protection
Compliance & Regulations
Our construction engineering insurance policies help you meet regulatory requirements and industry standards including:
- Health and Safety at Work Act compliance
- Construction Design and Management (CDM) Regulations
- Building Regulations and Building Safety Act
- Environmental and waste management standards
- Professional standards and industry codes of practice
FREQUENTLY ASKED QUESTIONS
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What is construction engineering insurance?
Construction engineering insurance is a comprehensive policy designed to protect construction companies, engineers, and contractors against liability claims, property damage, professional negligence, and employee injuries arising from construction and engineering operations and projects.
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Who needs construction engineering insurance?
Construction engineering insurance is essential for construction companies, civil engineers, structural engineers, contractors, subcontractors, project managers, and any business involved in construction or engineering projects. It's often required by law and by clients as a condition of contract.
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What does construction engineering insurance cover?
Construction engineering insurance typically covers employers liability for employee injuries, public liability for third-party claims, professional indemnity for design errors, contract works for materials and equipment on site, and plant and equipment coverage for machinery and tools.
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Is construction engineering insurance legally required?
Yes, employers liability insurance is a legal requirement for any business with employees. Public liability is often required by clients, landlords, and contracts. Many construction projects require proof of insurance before work can commence on site.
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What is the difference between contract works and plant insurance?
Contract works insurance covers materials, equipment, and work-in-progress on construction projects. Plant insurance covers construction machinery, tools, and equipment. Both are essential for comprehensive construction project protection.
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How much does construction engineering insurance cost?
Premiums vary based on project type, project value, team size, location, safety record, experience, and claims history. High-risk projects and larger contracts typically cost more. Contact us for a personalized quote tailored to your construction operations.
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What is professional indemnity insurance for engineers?
Professional indemnity insurance protects engineers and engineering firms against claims arising from professional negligence, design errors, breach of professional duty, or failure to meet professional standards. It covers legal defence costs and compensation claims.
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Does construction insurance cover site accidents?
Yes, employers liability insurance covers employee injuries and illnesses arising from site accidents. Public liability covers third-party injuries on your construction sites. Both are essential for comprehensive accident protection on construction projects.
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What is CDM Regulations compliance?
Construction Design and Management (CDM) Regulations require health and safety management on construction projects. Insurance must comply with CDM requirements, and contractors must have appropriate insurance in place before commencing work on CDM projects.
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Does construction insurance cover defects in completed work?
Defects liability insurance (also called defects insurance or latent defects insurance) covers costs of rectifying defects discovered after project completion. This is often required by clients and lenders as a condition of project acceptance.
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What is the claims process for construction insurance?
Contact Insure24 immediately following an incident. Our construction claims team will guide you through documentation, coordinate with third parties, arrange site inspections if needed, and work to settle your claim promptly. We provide 24/7 claims support for construction emergencies.
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Can I get construction insurance for subcontractors?
Yes, we provide construction insurance specifically for subcontractors. Subcontractor insurance covers your liability while working on other contractors' projects and can include employer and public liability coverage tailored to subcontracting operations.
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What is plant hire insurance?
Plant hire insurance covers construction machinery and equipment when hired out to other contractors. It protects against damage, theft, and loss while equipment is in the care of third parties, ensuring your plant investment is protected.
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Does construction insurance cover environmental damage?
Environmental liability coverage can be added to construction insurance to protect against costs arising from accidental pollution or environmental damage during construction operations, including cleanup expenses and third-party claims.
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What is retention bond insurance?
Retention bond insurance protects contractors when clients retain a percentage of contract value as security. The bond guarantees completion of work and rectification of defects, allowing contractors to access retained funds more quickly.
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Can I get insurance for renovation and refurbishment projects?
Yes, we provide specialized insurance for renovation and refurbishment projects. Coverage includes protection for existing structures, third-party property protection, and liability for damage to occupied buildings during renovation work.
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What exclusions apply to construction insurance?
Common exclusions include intentional acts, criminal conduct, war or terrorism, poor workmanship, and losses from inadequate supervision. Policies also typically exclude coverage for work not meeting building regulations. Review your policy for specific exclusions.
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How can I reduce my construction insurance premium?
Implementing strong health and safety practices, providing staff training, maintaining excellent safety records, and using experienced teams reduces premiums. Higher deductibles and limiting coverage can also reduce costs, though this may leave you underinsured.
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Does construction insurance cover weather-related delays?
Standard construction insurance covers damage caused by weather but not delays from weather conditions. Contract works insurance covers physical damage to materials and equipment. Project delay insurance (if available) covers income losses from weather-related project delays.
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What is performance bond insurance?
Performance bond insurance guarantees that you will complete contracted work according to specifications and timelines. It protects clients against financial loss if you fail to complete the project, and is often required for large construction contracts.
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Can I get construction insurance for international projects?
Yes, we provide construction insurance for international projects. International coverage requires additional documentation and compliance with foreign regulations. Contact us for details on international construction project protection.
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How often should I review my construction insurance coverage?
Review your construction insurance annually at renewal, or whenever your business changes significantly (new project types, increased project values, expanded team size, new locations). Regular reviews ensure your coverage limits remain adequate as your construction business grows and evolves.