Construction insurance provides vital protection, but all policies contain exclusions, restrictions and conditions that may affect your cover. Understanding these helps you avoid gaps and ensure compliance with insurer requirements.
Common exclusions found across Contractors’ All Risks, Public Liability and Employers’ Liability policies.
“Insure24 helped us understand the exclusions on our CAR and Liability policies. It meant we could put additional cover in place and avoid a serious gap in protection.”
Construction Contractor, UKDoes construction insurance cover defective workmanship?
Are existing structures covered automatically?
What happens if we don’t meet a policy warranty?
Does Public Liability cover contractual penalties or LDs?
Is wear and tear or gradual deterioration covered?
Latent defects insurance represents a critical component of risk management in the construction and property development sectors. This specialized form of coverage protects property owners, developers…
Construction retention is a standard practice in the building industry, but it can create significant cash flow challenges for contractors and subcontractors. When clients withhold a percentage…
In the construction industry, the completion of a project doesn't mark the end of responsibility. Defects can emerge months or even years after handover, leaving contractors, developers, and proper…
The construction plant hire industry forms the backbone of countless building projects across the UK. From excavators and bulldozers to cranes and scaffolding, plant hire businesses provide es…
The construction industry in the UK faces unique risks daily, from equipment damage and public liability claims to professional indemnity issues and project delays. Choosing the right insurance provider can …
Renewing your construction insurance is one of the most critical tasks you'll undertake as a business owner in the building trade. Whether you're a general contractor, specialist tradesperson, or constr…
Choosing the right insurance for your construction business is one of the most critical decisions you'll make as a business owner. With the inherent risks involv…
Choosing the right insurance for your building business can feel overwhelming. Whether you're running a large construction firm or working as a self-employed tradesman, understanding the …
When it comes to protecting your business and assets, understanding the different types of insurance available is crucial. Two of the most commonly discussed insurance policies are car insurance…
Meta Description: Comprehensive guide to construction insurance for large contractors. Learn about enterprise coverage, risk management, liability protection, and essential policies for m…
Running a micro construction business comes with unique challenges. Whether you're a sole trader plasterer, a small team of roofers, or a two-person tiling operation, managing costs while p…
Construction sites face unique vulnerabilities when it comes to weather-related damage. From sudden storms to prolonged periods of adverse conditions, the British weather can wreak havoc on buildi…
Tool theft on construction sites represents one of the most persistent and costly challenges facing the UK construction industry. With millions of pounds worth of equipment stolen annually, construc…
Construction sites are among the most hazardous work environments in the UK. With heavy machinery, working at height, electrical systems, and multiple contractors operating simultaneously, the…
The construction industry faces unique risks that can result in costly insurance claims. Understanding the most common claims and implementing effective prevention strategies can protect you…
The construction industry remains one of the most hazardous sectors in the UK, with workers facing daily risks from working at height, operating heavy machinery, and exposure to hazard…
Scaffolding contractors face unique risks every day. From working at height to managing expensive equipment and navigating complex liability issues, the scaffolding industry demands specialized insurance p…
Demolition work represents one of the most hazardous activities in the construction industry. From bringing down multi-storey buildings to dismantling industrial structures, demolition contractors face uni…
Loft conversions have become one of the most popular home improvement projects in the UK, offering homeowners a cost-effective way to add valuable living space without the expense and hassle…
Home extensions and renovations represent significant investments for UK homeowners. Whether you're adding a conservatory, building a loft conversion, or completely refurbishing your k…
Essential Coverage for Your Office and Retail Construction Investments
Commercial construction projects for office buildings and retail spaces represent significant financial investments. Whet…
Building or renovating a residential property is an exciting but complex undertaking. From foundation work to final finishing touches, countless risks can…
Appliance repair businesses operate in a high-risk environment where customer property is constantly at stake. Whether you're repairing a washing machine, refrigerator, dishwasher, or any other ho…
Published on 4 November 2025 | Reading time: 12 minutes
Running a handyman business means juggling multiple trades, unpredictable situations, and significant liability risks. Whether …
Gutter cleaning is a high-risk trade that exposes workers to significant occupational hazards, particularly falls from height. Whether you're a self-employed gutter cleaner or operat…
Window cleaning is one of the UK's most hazardous professions. Whether you're a sole trader cleaning residential properties or managing a team working on high-rise commercial buildings, the ri…
Running a locksmith business comes with unique risks and responsibilities. Whether you're a sole trader responding to emergency call-outs or managing a team of technician…
Essential protection for heating and HVAC professionals
Heating engineers and HVAC professionals operate in a highly regulated and technically demanding in…
Bricklaying is a skilled trade that involves significant risks—from working at heights and handling heavy materials to potential damage claims and workplace injuries. Whether you're a self-employed …
Groundworkers face some of the most demanding and hazardous conditions on any construction site. From excavating foundations to managing underground utilities, the risks are substantial and multifaceted.…
Essential coverage for arborists managing hazardous operations and valuable equipment
Tree surgery is one of the most hazardous prof…
As an electrician, your work is essential to keeping homes, businesses, and industrial facilities powered and safe. Whether you're rewiring residential properties, installin…
Essential coverage for glass installation professionals and breakage risks
Working as a glazier involves inherent risks that extend far beyond simply replaci…
Carpentry is a skilled trade that demands precision, expertise, and dedication. Whether you're a self-employed joiner, a small carpentry team, or managing a larger construction outfit, the ris…
Gas engineers and heating technicians face unique risks in their daily work. From boiler installations to emergency repairs, the potential for costly claims is significant. This comprehensive guide …
Water damage claims represent one of the most significant financial risks facing plumbing professionals in the UK. A single installation error or negligent repair can re…
Running a roofing business comes with significant risks. From working at heights to handling expensive equipment, roofers face unique challenges that standard business insurance simply doesn't cov…
Understanding the critical gaps in your construction insurance policy
Construction is one of the UK's most hazardous industries. Every single day, constructio…
When accidents, damage, or losses occur on a construction site, knowing how to navigate the insurance claims process can make all the difference. This comprehensive guide walks you through each stage o…
Construction defects can emerge long after project completion, creating significant financial and reputational risks for builders, contractors, and developers. Construction Defects…
Construction plant and equipment represent significant investments for any building or civil engineering company. Whether you own your machinery outright or regularly hire equipment for specific …
A comprehensive guide to protecting your construction projects with EAR insurance
Erection All Risks (EAR) insurance is a specialist for…
Construction sites are inherently dangerous environments. From heavy machinery t…
Construction is one of the UK's most dynamic and rewarding industries, but it's also one of the most risky. From site accidents and equipment damage to third-party claims…
Construction projects involve numerous risks, and understanding the insurance framework that protects your business is crucial. Two of the most important concepts in construction insurance are the…
Understanding your insurance responsibilities under JCT contracts
JCT (Joint Contracts Tribunal) contracts are the industry standard for construction projects across t…
Construction projects in the UK face numerous risks daily, from material damage and theft to third-party injuries and weather-related incidents. Contractors All Risks (CAR) I…
My Account
