Building & Construction Insurance
Insurance designed around the people, projects and equipment that keep construction moving.
Protect what keeps your business moving
Construction businesses operate across changing sites, tight timelines and complex contractual arrangements. Theft, weather damage, defective work, supply shortages, cyber incidents and third-party claims can all disrupt a project. A coordinated insurance program can help protect your projects, people, vehicles and business operations.
Who should consider it?
Suitable protection should be considered by owner-builders, subcontractors, trades, project managers and small through to large construction companies.
What can it cover?
Depending on the insurer, policy and options selected, cover may include:
Contract works
Buildings under construction, materials, equipment and selected liability exposures.
Business insurance
Premises, property, glass, theft, machinery breakdown, money and selected liability risks.
Cyber insurance
Covered data breaches, system interruption, response costs and liability exposures.
Commercial motor
Insured vehicles, third-party damage and legal liability.
Professional indemnity
Covered claims alleging a breach of professional duty.
Workers’ compensation
Statutory protection for employees injured or made ill through work.
Important considerations
Construction risks and contractual requirements vary significantly. Policy limits, excesses and exclusions should be reviewed against each project, including subcontractor arrangements and any assumed contractual liabilities.