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CONSTRUCTION INSURANCE THAT PROTECTS YOUR BUSINESS
Why Construction Insurance Matters
Construction businesses face unique risks including site accidents, property damage, equipment theft, and third-party liability claims. A single incident can result in substantial financial losses, legal complications, and project delays. Insure24's construction insurance provides comprehensive protection for your business, employees, and operations, ensuring you can work with confidence and recover quickly from unexpected incidents.
Comprehensive Construction Coverage
Protect your construction business with tailored insurance solutions covering sites, teams, equipment, and liability.
- Public Liability - Protection against third-party bodily injury and property damage claims arising from your construction operations and sites.
- Employers Liability - Coverage for employee injuries and illnesses arising from work activities on construction sites and projects.
- Tools and Equipment - Protection for tools, machinery, and equipment against theft, damage, and loss on site and in transit.
- Contract Works - Coverage for materials, equipment, and work-in-progress on construction projects against damage or loss.
- Professional Indemnity - Protection against claims arising from professional negligence or breach of professional duty in construction services.
Common Construction Risks
- Site accidents and employee injuries
- Third-party property damage
- Tool and equipment theft
- Material damage and loss
- Vehicle and plant damage
- Weather-related damage
- Fire and explosion risks
- Regulatory compliance violations
Why Choose Insure24
- Construction Specialists - Our team understands construction risks and can tailor coverage to your specific trade and project types.
- Flexible Policies - Customizable coverage that adapts to your business needs, from sole traders to large construction firms.
- Fast Claims Support - Rapid response and settlement when incidents occur, with dedicated construction claims teams available 24/7.
- Competitive Rates - Affordable premiums for comprehensive construction coverage without compromising on protection quality.
How to Get Construction Insurance
- 1. Get a Quote - Provide details about your construction business, trade type, team size, and claims history.
- 2. Review Coverage - Our team explains your options and recommends appropriate coverage limits for your construction operations.
- 3. Customise Your Policy - Adjust coverage limits, deductibles, and add optional protections based on your specific business needs.
- 4. Purchase & Activate - Complete your purchase and receive immediate coverage confirmation for your construction business.
When our tools were stolen from a site, Insure24's construction insurance covered the full replacement cost. Their claims process was straightforward and professional
Mark S., Building ContractorPROTECT YOUR CONSTRUCTION BUSINESS
- Employee injury and medical costs
- Third-party injury and property damage claims
- Tool and equipment replacement costs
- Material and work-in-progress protection
- Legal defence and court costs
Compliance & Regulations
Our construction insurance policies help you meet regulatory requirements and industry standards including:
- Employers Liability (Compulsory Insurance) Act requirements
- Health and Safety at Work Act compliance
- Construction Design and Management (CDM) Regulations
- Building Regulations and Building Safety Act
- Client and contract insurance requirements
FREQUENTLY ASKED QUESTIONS
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What is construction insurance?
Construction insurance is a comprehensive policy designed to protect construction businesses, contractors, and tradespeople against liability claims, property damage, employee injuries, and equipment loss arising from construction operations and projects.
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Who needs construction insurance?
Construction insurance is essential for builders, contractors, tradespeople, construction companies, subcontractors, and any business involved in construction work. It's a legal requirement if you have employees and often required by clients as a condition of contract.
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What does construction insurance cover?
Construction insurance typically covers public liability for third-party claims, employers liability for employee injuries, tools and equipment protection, contract works for materials and work-in-progress, and professional indemnity for design or workmanship errors.
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Is construction insurance legally required?
Yes, employers liability insurance is a legal requirement for any construction business with employees. Public liability is often required by clients, landlords, and contracts. Many construction projects require proof of insurance before work can commence.
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What is the difference between public and employers liability?
Public liability covers third-party bodily injury and property damage claims arising from your construction operations. Employers liability covers employee injuries and illnesses arising from work activities. Both are essential for comprehensive construction protection.
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How much does construction insurance cost?
Premiums vary based on trade type, team size, annual turnover, claims history, safety record, and coverage limits. Specialist trades and larger operations typically cost more. Contact us for a personalized quote tailored to your construction business.
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Does construction insurance cover tools and equipment?
Yes, tools and equipment insurance covers your hand tools, power tools, and equipment against theft, damage, and loss on site and in transit. This coverage is essential for protecting your valuable equipment investment.
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What is contract works insurance?
Contract works insurance covers materials, equipment, and work-in-progress on construction projects against damage or loss. It protects your investment in materials and labour until the project is completed and handed over to the client.
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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.
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What is professional indemnity insurance for construction?
Professional indemnity insurance protects construction professionals against claims arising from professional negligence, design errors, or breach of professional duty. It covers legal defence costs and compensation claims from clients.
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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.
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Can I get construction insurance as a sole trader?
Yes, we provide construction insurance for sole traders and self-employed contractors. Coverage is tailored to your specific trade and business needs, with flexible policies that adapt to your operation size and project types.
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Does construction insurance cover subcontractors?
Yes, we provide construction insurance 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 construction trades do you cover?
We provide construction insurance for all major trades including carpentry, plumbing, electrical work, roofing, plastering, tiling, glazing, groundworks, heating and air conditioning, locksmithing, tree surgery, and general contracting. Contact us for your specific trade.
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Does construction insurance cover renovation work?
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 damage?
Construction insurance covers damage caused by weather to your equipment and materials on site. However, it typically does not cover delays caused by weather conditions. Contract works insurance specifically protects materials and work-in-progress from weather damage.
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Can I get construction insurance for temporary workers?
Yes, construction insurance covers temporary and seasonal workers. You must declare all workers, including temporary staff, to ensure they are covered under your employers liability insurance. This protects you and your temporary team members.
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What is defects liability insurance?
Defects liability insurance (also called 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 and handover.
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Does construction insurance cover plant and machinery?
Yes, plant and machinery insurance covers construction equipment, machinery, and tools against theft, damage, and breakdown. This coverage is essential for protecting expensive equipment investments and ensuring business continuity.
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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 and requirements.
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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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Does construction insurance cover environmental liability?
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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How often should I review my construction insurance?
Review your construction insurance annually at renewal, or whenever your business changes significantly (new project types, increased turnover, expanded team size, new locations). Regular reviews ensure your coverage limits remain adequate as your construction business grows and evolves.