Construction Insurance

A construction project can be a complex operation that needs rigorous planning and management. Its insurance can be equally complicated too. So, it's crucial that you appoint specialists to manage your construction insurance policies to ensure you have the essential cover in place to protect you against the future possibility of accidents, negligence or compromised safety.

Specialist guidance for the construction industry

We can advise you on all insurance-related aspects throughout the development so you can make well-informed decisions on the levels of insurance you'll need at every stage of construction.

Our construction insurance professionals will work with all parties throughout the process (whether with your funders, architects, surveyors, contractors and sub-contractors) to arrange full-coverage insurance that reflects their respective rights and interests, avoids costly duplication, and prevents perilous gaps in cover.

Even after the build, you'll want to consider maintenance risks including property damage and asset protection and engineering inspections, here we can arrange to cover for you.

Our home builders and developers insurance facility

Established by Clear MPW and the Home Builders Federation (HBF) in 1995 and underpinned by our high-quality service and underwriting, our specialist facility provides a site insurance policy tailored and dedicated to home builders and developers.

The facility features a bespoke policy wording containing many relevant cover enhancements and extensions, providing you with optimum protection for your construction site, projects and employees. Our team can also present options for insurance cover to protect construction equipment, tools and plant machinery.

Our scheme policy is tailored specifically for House Builders & Developers in the United Kingdom, who are mainly involved in new build residential, private dwelling construction jobs. It is designed to help manage claims efficiently and cover compensation in the event of insured incidents.

Tailored insurance cover for construction

With expertise dedicated to the construction sector, discover some of the covers we can help arrange, including:

Public Liability insurance and Employers Liability insurance

Contractors all risks insurance

Non negligent (6.5.1) insurance

Building warranty insurance

Specialist single project insurance

Professional indemnity insurance

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Want to know more?

Find more information from our knowledgeable professionals in these downloadable documents.

Construction brochure

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Homebuilders Facility

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What you need to know

How can I make sure that I'm properly insured for the risks I take?

Construction and engineering industry businesses are often subtly different in the work that they conduct and, therefore, also the risks involved. We understand that no two risks are the same and can devise an insurance programme that is tailored to your unique business activities.

What can you do to assist with claims management?

The efficient administration of claims is really the acid test of the effectiveness of an insurance policy. At Clear, we have a dedicated claims team who will work hard to help settle claims.

How can I ensure I'm obtaining competitive quotations?

We have access to a wide range of UK construction and engineering insurers for quotations. We place a firm emphasis on insurers of quality and financial standing who can deliver appropriate insurance solutions, including the required supporting claims service.

Do I need Professional Indemnity Insurance?

It's a common misconception that Professional Indemnity insurance is only required for construction and engineering companies that provide their own design work. Businesses that provide advice, consultancy or design can commit errors in the course of their professional business that lead to financial losses suffered by third parties. Even companies that subcontract all design works have exposures – a dissatisfied customer is likely to bring a claim against you, not your subcontracted designer, for example.

My requirements are non-standard, will that be a problem?

At Clear, we're used to handling bespoke requirements for clients. This doesn't necessarily mean that the solutions are more expensive, just that they need to reflect specific business circumstances.

My policy states that my subcontractors need to be insured - how can I insure that they are?

This is an increasingly important area for policyholders to focus on. Many liability policies contain warranties that subcontractors need to have their own insurance in place for a related claim to be covered. Breaches of this can lead to claims going unpaid. We can assist with the management of this often overlooked issue.

Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals with tailored business insurance solutions.