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As a Chartered Insurance Broker, we pride ourselves on providing specialist construction advice that really makes a difference–Our dedicated construction team has the knowledge and experience to provide the challenge and support you need to ensure your business is protected from the risks in the construction sector today.
As firms adopt to the new technology available a renewed focus needs to be concentrated on their IT infrastructure to future proof and mitigate themselves from the increasing level of sophisticated Malware & Phishing attacks made by Cyber Criminals.
Rising Insurance costs
With the turbulence of recent years and an already hardening insurance market, many construction insurers have reduced their offering for certain classes of insurance, such as Professional Indemnity, resulting in conflicts with contractual obligations between contractors and their clients and rising premium costs.
Sustainability & Raw Material Price increases
The increased financial cost on raw materials has now accelerated complications on ‘Fixed Price’ contracts which have resulted in the need for flexibility around tenders to maintain profitability. Such pressures are amplified further by firms’ responsibilities to source socially responsible materials in an already stretched supply chain to meet the needs of the changing construction landscape.
Why do you need specialist construction insurance?
Construction insurance is a complex area. Clients need an adviser with the technical skills and knowledge to advise on issues such as complicated, people risk, the ever evolving legislative landscape and JCT contracts.
As Insurers reduce their internal cover limits and the market shrinks in its capacity to provider solutions, you need an adviser who knows the industry and will be able to design a competitive, flexible insurance programme that will respond when you need it.
Our approach to business resilience and the risk management tools and techniques we use enable us to help construction businesses mitigate the risks they face today.
Who we support
Civil engineering firms
Housebuilders and property developers
Allied trades to the sector
Usual types of cover
We believe the arrangement & placement of the general insurance programme to be the most basic element of what we do, but nevertheless a key cornerstone of any risk programme.
In addition to the standard covers, we normally find the most questions around the following specialist areas:
Protects your business in the event of claims brought against you by other people (not your employees) for injuries or property damage caused in consequence of your business activities
Cover in the event of injury claims made by an employee.
Cover for the contract work undertaken and provides protection for the building works itself, whether completed or in progress. It also includes cover for all materials which are stored on or immediately next to the site on which you are working.
Cover against damage or theft to protect you against any unexpected losses, whether you own the equipment in question or have hired it in to use it on a project.
Protects businesses from compensation claims from third parties as a result of a motor accident. These third-party claims could be in the form of financial compensation for injury or property damage for a third party.
An important product designed for professional firms and people which covers them in the event of certain errors made during their business. The policies available mainly cover professional negligence, errors or omissions, breach of professional duty and civil liabilities
A bespoke arrangement between owner/developer or contractor and is negotiated into one program to cover ‘all risks’ of loss or damage to the permanent and temporary works comprising the contract, including the materials, and all things used for or intended for incorporation within the contract, throughout various phases of the construction / erection, including testing
Protects against the cost of restoring damage caused by environmental accidents, such as pollution of land, water, air, and biodiversity damage.
Provides protection against the employer’s liability for expense, liability, loss, claims or proceedings that arise due to non-negligent damage to property (other than the contract works) while undertaking a building contract