Insurance Solutions for the Construction Sector
Helping protect contractors, developers, trades and site operations
Overview
Whether you’re laying foundations or managing multiple sites, construction insurance plays a central role in safeguarding your operations, workforce and reputation.
Ready to help minimise your risk and uncertainty?
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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.
Insurance Solutions You Can Trust
Professional Indemnity Insurance
Protect your business from claims made by clients or third parties due to professional negligence, errors, or omissions. Professional Indemnity insurance can offer peace of mind by covering legal costs and compensation. It’s essential for businesses offering advice or services, ensuring financial stability in the face of unexpected disputes or claims.
Self-Employed Insurance
Tailored insurance solutions for the self-employed, designed to protect your income, tools, and liability. Whether you’re a sole trader or freelancer, having the right cover can ensure you’re prepared for accidents, legal claims, or equipment damage. Stay secure and focus on your work with protection that fits your business needs.
Income Protection
Safeguard your livelihood with income protection insurance. If illness or injury prevents you from working, this cover can provide a regular income to help manage bills and expenses. Ideal for the self-employed or anyone without sick pay, it can offer financial support while you recover, giving you time and peace of mind.
Business Interruption Insurance
Unexpected events can halt business operations – business interruption insurance can help cover lost income and operating expenses during downtime. Whether due to fire, flood, or other disasters, this cover can support continuity by helping you recover financially. Keep your business resilient and bounce back faster with comprehensive interruption cover tailored to your needs.
Tools & Equipment Insurance
Your tools are vital to your trade – protect them against theft, loss, or damage with specialist tools and equipment insurance. Whether you work on-site or from a van, ensure you’re not left out of pocket. Replacement cover means minimal disruption, helping you stay productive and on the job.
Why Contractors Need Insurance
Contractors face daily risks, from accidents to tool theft and liability claims. Discover why having the right insurance is essential for protecting your income, reputation, and business. Learn what cover you need and how Brown & Brown can help with tailored insurance solutions for self-employed contractors.
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.