Insurance Solutions for the Construction Sector
Helping protect contractors, developers, trades and site operations
Overview
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How We Can Help
At Brown & Brown, we help contractors, developers and tradespeople arrange suitable construction insurance by understanding the practical risks of building and development work. Whether you’re working on domestic builds, commercial developments or specialist infrastructure projects, we tailor our broking support to your business.
We source a range of covers including contract works, public and employer’s liability, hired-in plant, own tools and machinery, contract works, erection all risks (EAR), and legal expenses. Where professional design or consultancy is involved, we can include professional indemnity insurance. We also help arrange cover for site offices, materials in transit, and environmental liability where required.
We take time to understand your scope of work, contract values, subcontractor arrangements and site safety practices. We then approach trusted insurers to provide competitive terms that reflect your operational profile.
We remain on hand after placement, providing support with mid-term adjustments, claims notifications and risk reviews. We also assist with insurance-backed guarantees, performance bond insurance and joint-names project policies where requested by principal contractors.
Whether you’re a start-up trade or a principal contractor managing large builds, Brown & Brown helps you find the right insurance solutions to support project delivery and contract compliance, while minimising disruption when things don’t go to plan.
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Construction Sector Knowledge
Tailored Policy Sourcing
Ongoing Contract Support
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Your Questions, Answered
Contractor’s all risks (CAR) insurance provides cover for physical damage to construction works, including partially completed structures, temporary works and site materials. It may also cover owned or hired-in plant and tools. Contractor’s all risks (CAR) is often required under contract terms and is considered essential for builders, developers and contractors to help protect against the costs of accidental damage during construction. At Brown & Brown, we can help source Contractor’s all risks (CAR) cover based on your specific projects.
Yes. If you’re self-employed and work in a trade such as plumbing, bricklaying, carpentry or electrical installation, you’ll likely need public liability insurance to help protect against third-party injury or property damage. Employer’s liability may also be required if you bring in subcontractors. We help self-employed tradespeople find suitable policies that reflect the size and nature of their business.
Yes. Construction insurance can include cover for your own tools and equipment as well as plant or machinery you’ve hired. Theft, fire, vandalism or accidental damage can cause major delays and costs if equipment is uninsured. Brown & Brown works with insurers who offer flexible levels of plant and tools cover, so your assets are looked after whether on-site, in storage or in transit.
Absolutely. Many larger projects require joint-names insurance policies where both the contractor and client are listed on the policy. We help arrange project-specific cover to meet these requirements, including contract works insurance, performance bonds and structural warranties. Brown & Brown brokers work closely with all parties to ensure compliance with contract clauses and peace of mind for both developers and clients.
Erection All Risks insurance can provide protection for contractors and project owners against accidental loss or damage during the installation, erection, or commissioning of plant, machinery, and steel structures, covering risks such as fire, theft, collapse, natural hazards, and third-party liability.
Yes – materials are covered anywhere in the UK, as long as they’ve been assigned to a contract.