Construction Insurance

At Insurance Broking Services, we understand the unique challenges faced by businesses operating in the construction industry. Whether you are a residential builder, a commercial construction company, a property developer, a subcontractor, or an owner-builder, construction projects carry a concentration of risks that a standard business policy is not designed to address. Contract works (construction all risks) insurance protects the physical works during the construction phase against accidental loss and damage — theft, storm, fire, vandalism, and accidental damage to work in progress — and is often a contractual requirement before a project can commence. Public liability on a construction site carries broader exposure than most industries, including subcontractor liability, cross-liability, and third-party property damage caused by your activities. Defects, latent structural failures, and workmanship issues can give rise to claims years after project completion, making run-off and latent defects cover equally critical. We leverage our industry knowledge and insurer connections to build tailored construction insurance solutions for your situation, from a single project policy through to annual programs covering a full year of builds, ensuring your project, your workers, your subcontractors, and your business are properly protected at every stage of construction.