• Professional Indemnity (Design Liability) - Protection against claims arising from design errors, omissions, specification failures and fitness-for-purpose allegations.
• Contract Works / Contractors All Risks - Cover for damage to the works, materials, temporary works and partially completed structures on site.
• Business Interruption / Project Delay - Financial protection where a major insured event causes delay, disruption or additional costs to complete.
• Public Liability - Cover for injury or property damage to third parties arising from your operations.
• Contractual & Legal Support - Assistance with defence costs, contract disputes and claim handling aligned to project requirements.

• Design errors, omissions and coordination failures
• Workmanship defects and rework / rectification costs
• Fire, flood, storm and accidental damage to the works
• Theft of materials, plant and equipment from site
• Subcontractor failure, insolvency or poor performance
• Delay damages (LDs) and additional costs to complete
• Injury to third parties or damage to surrounding property
• Disputes under JCT/NEC/EPC terms and variations

• Expert Guidance - Specialists in construction, engineering and design liability risks who can align cover to your contract and scope.
• Fast Claims - Responsive support for site incidents, defects and liability claims with practical guidance to keep projects moving.
• Competitive Pricing - Access to a wide panel of insurers for strong terms across PI, CAR, PL/EL and project add-ons.
• Project-Focused Support - Help meeting funder, client and main contract insurance requirements (JCT/NEC/EPC).

• 1. Get a Quote - Provide details about your projects, turnover, contract forms (JCT/NEC/EPC) and design responsibilities.
• 2. Review Coverage - We explain PI, CAR, PL/EL and project extensions, and recommend suitable limits and endorsements.
• 3. Customise Your Policy - Tailor indemnity limits, excesses, territory/jurisdiction and contract works values to match your risk.
• 4. Purchase & Activate - Bind cover and receive documentation to satisfy client, funder and principal contractor requirements.

• Tenant works, dilapidations and third-party property damage
• Working in occupied premises and business interruption exposures
• Fire risk, hot works and temporary works management
• Programme delay and liquidated damages
• Design coordination (M&E, partitions, finishes) and defects risk

• Large contract works values and materials storage exposures
• Groundworks, drainage and subsidence risk
• M&E coordination and commissioning risk
• Weather impacts and delay costs
• Damage to existing services and third-party property

Design liability claims can arise from errors, omissions, coordination failures or fitness-for-purpose requirements. Costs include professional defence, investigations, remedial design, rework and third-party losses. Claims can escalate quickly where defects affect structure, M&E systems or water ingress.

• Coordination clashes and incomplete design
• Incorrect calculations and detailing
• Fitness-for-purpose allegations
• Remedial works and consequential loss disputes

Programme delays can trigger liquidated damages, extended prelims and cost overruns. Delays often result from supply chain issues, weather events, design changes, access constraints or rework. The right extensions can help manage the financial impact of major insured events.

• Liquidated damages and contractual penalties
• Extended preliminaries and site overheads
• Acceleration and overtime costs
• Disruption and loss/expense claims

Physical loss or damage to contract works can derail a project. Common causes include fire, flood, storm, escape of water, accidental damage and theft/vandalism. The right contract works cover helps with reinstatement, debris removal and protection costs.

• Fire and hot works incidents
• Flood, storm and weather-related damage
• Theft of materials, plant and tools
• Accidental damage and collapse

• Professional defence and expert reports: £5,000 - £250,000+
• Investigation and intrusive surveys: £10,000 - £150,000
• Rectification and rework: £25,000 - £1,000,000+
• Reinstatement of contract works after damage: £50,000 - £5,000,000+
• Third-party property damage and compensation: £10,000 - £2,000,000+
• Legal costs and dispute resolution: £15,000 - £500,000+

• Design responsibility and scope (in-house, novated, subcontracted)
• Contract forms, warranties, indemnities and insurance clauses
• Project values, contract works limits and peak site exposures
• Temporary works, fire strategy and site security controls
• Quality assurance, inspections, testing and commissioning
• H&S management (RAMS, CDM duties, competency)
• Supply chain strength and subcontractor vetting
• Claims history and risk improvements

Situation: A Design & Build contractor identified a structural design issue mid-project that required redesign and strengthening works.

Impact: Without appropriate cover, costs for expert reports, remedial works and delay-related expenses would have exceeded £250,000.

Resolution: Design liability cover supported professional defence and remediation planning, helping the contractor manage costs and complete the project.

Situation: A site fire damaged partially completed works and stored materials, requiring demolition, reinstatement and programme recovery.

Impact: Reinstatement and additional costs to complete were significant, alongside knock-on delay pressures.

Resolution: Contract works cover helped fund reinstatement and recovery measures to get the project back on track.

• Formal design reviews, sign-off and change control
• Clash detection and coordinated design deliverables
• Quality assurance plans, inspections and test regimes
• Fire risk management, hot works permits and temporary protection
• Robust site security (CCTV, access control, material storage)
• Temporary works design and independent checks
• Commissioning plans and performance verification
• Document control and as-built record management

Ideal for: Smaller Design & Build contractors with lower contract values

• Professional Indemnity (from £250,000)
• Public Liability (from £1,000,000)
• Employers’ Liability (UK standard limits)
• Contract Works cover aligned to project value
• Basic legal expenses / claims support

Ideal for: Established Design & Build firms with complex scopes and demanding contracts

• Higher PI limits (including design-and-construct duties)
• Higher contract works limits and broader perils
• Non-negligent liability / JCT 6.5.1 style covers where required
• Extended maintenance / defects liability extensions where available
• Dedicated claims support and risk advice
• Cover aligned to collateral warranties and funder requirements

• The costs of correcting defects and completing remedial works
• Investigation, expert reports and design defence costs
• Damage to contract works, materials and temporary works
• Losses from project disruption and delay following an insured event
• Your legal defence costs and damages you are legally liable to pay to other parties

• CDM Regulations (client / principal designer / principal contractor duties)
• Health & Safety at Work obligations and employer liability requirements
• Building Regulations and building control requirements
• Contract insurance clauses (JCT / NEC / EPC) and collateral warranties
• Industry and client-specific compliance frameworks and site rules