Project Delay & Business Interruption Insurance

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Financial protection when construction delays, damage or insured events disrupt your project or income

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading construction insurers

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

INSURANCE FOR PROJECT DELAYS & BUSINESS INTERRUPTION

Why Project Delay Insurance Matters

Construction delays caused by insured events such as fire, flood, storm or accidental damage can result in loss of income, liquidated damages and increased costs. Project delay and business interruption insurance helps protect cashflow and contractual commitments.

What Project Delay & Business Interruption Insurance Covers

Financial protection following insured damage that disrupts project delivery.


  • Delay in completion following insured physical damage
  • Loss of anticipated revenue or gross profit
  • Increased costs of working to mitigate delays
  • Extended site overheads and preliminaries
  • Consequential financial losses linked to delay
  • Optional liquidated damages exposure (policy dependent)

Common Causes of Construction Project Delays


  • Fire, flood, storm or escape of water
  • Accidental damage to works in progress
  • Collapse or structural failure
  • Damage to critical plant or machinery
  • Theft or vandalism impacting programme
  • Reinstatement and rework delays
  • Supply chain disruption following insured events
  • Extended site shutdowns after major losses

Who Needs Project Delay Insurance?


  • Main and principal contractors
  • Developers and design & build contractors
  • Civil engineering and infrastructure projects
  • High-value or long-duration construction works
  • Projects with liquidated damages clauses
  • Contractors with reliance on project cashflow

Why Choose Insure24


  • Specialist construction and project risk expertise
  • Delay and consequential loss extensions structured correctly
  • Cover aligned to contract values and project duration
  • Fast turnaround for complex construction risks

FREQUENTLY ASKED QUESTIONS

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What is project delay and business interruption insurance?

This cover protects against financial losses resulting from delays caused by insured damage, including loss of income, increased costs of working and extended project overheads.

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Is project delay cover the same as Contractors All Risk?

No. Contractors All Risk covers physical damage, while project delay or business interruption covers the financial consequences of that damage, such as delay-related losses.

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Does this insurance cover liquidated damages?

Liquidated damages may be covered in some policies, but this depends on policy wording and underwriting. Specialist advice is essential to ensure the correct structure.

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Who typically requires project delay insurance?

This cover is commonly required by developers, funders and principal contractors on high-value or long-duration projects where delays could significantly impact cashflow.

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How quickly can cover be arranged?

Cover can often be arranged quickly once underwriting details are confirmed, although complex projects may require additional insurer review.

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