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Construction Project Insurance
Structure an insurance review around one identified development, including its works, parties, dates, values, contract allocation and existing structures.
The sections available and the parties that can be insured depend on the project, market appetite and policy wording.
When a project-specific review may be useful
- A developer or project owner needs insurance aligned to one scheme.
- The contract assigns insurance responsibilities to named parties.
- Lenders, investors or other stakeholders require evidence of an agreed arrangement.
- The build has a defined value, programme and completion date.
- Work involves an existing structure, refurbishment or complex interfaces.
- The project size or duration does not fit comfortably within an annual contractor programme.
- Delay following insured physical damage needs specialist consideration.
This list does not confirm eligibility or cover.
Project information to prepare
Parties and contract
- Employer, developer, main contractor and other relevant parties
- Procurement route and contract form
- Insurance schedule, joint-names wording and required limits
- Funder or stakeholder requirements
- Responsibility for the works and existing structures
Works and values
- Project description, site address and surrounding exposures
- Start, completion and maintenance-period dates
- Contract value and basis of valuation
- Existing structures, demolition and temporary works
- Materials, plant, professional services and delay exposure
Do not send confidential contract or personal information through an unapproved channel. Confirm the secure route with the broker first.
Annual contractor programme or project policy?
A project policy focuses on one identified development and its parties, values and dates. An annual contractor programme is structured around a business carrying out continuing work. The right route depends on the project pipeline, contract allocation and available terms.
For the physical works and related property questions, read the Contractors’ All Risks and contract works page. For responsibility, joint names and existing structures, read the contract requirements page.
Frequently asked questions
Who can arrange a project policy?
The appropriate proposer and insured parties depend on the project, contract and available wording. Developers, employers, owners and contractors may have different responsibilities.
Are existing structures included?
Not automatically. Existing property may need to remain under a separate property arrangement or be addressed specifically in the project structure.
Is delay covered?
Delay following insured physical damage is specialist cover. Availability, insured costs, indemnity periods and dependencies require separate review.
Does a project policy replace every contractor’s insurance?
No. Contractors may still need their own liabilities, professional indemnity, motor, plant or other business insurance.