{"id":33603,"date":"2025-10-28T09:39:38","date_gmt":"2025-10-28T14:39:38","guid":{"rendered":"https:\/\/www.bbrown.com\/?page_id=33603"},"modified":"2026-03-27T05:57:10","modified_gmt":"2026-03-27T10:57:10","slug":"construction","status":"publish","type":"page","link":"https:\/\/www.bbrown.com\/uk\/ind\/construction\/","title":{"rendered":"Insurance Solutions for the Construction Sector"},"content":{"rendered":"

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\n Insurance Solutions for the Construction Sector\n <\/h1>\n\t

Helping protect contractors, developers, trades and site operations<\/p>\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tRequest a Quote<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_section][vc_row][vc_column]
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Overview<\/h3>\n
\n The UK construction industry operates in one of the most risk-intensive environments. From on-site injuries to delays, damaged equipment and contract disputes, the right insurance helps construction businesses absorb setbacks and move forward. Construction insurance typically includes public liability, employer\u2019s liability, contract works, tools and plant cover, and professional indemnity. Developers, subcontractors, sole traders and project managers all require solutions that reflect the nature and scale of their work. At Brown & Brown, our knowledgeable teammates help you arrange insurance that suits residential, commercial, civil or renovation projects. <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n[vc_empty_space][vc_column_text css=””]Whether you’re laying foundations or managing multiple sites, construction insurance plays a central role in safeguarding your operations, workforce and reputation.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]\n
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Ready to help minimise your risk and uncertainty?<\/p>\n

\n Fill In Our Quick Form Today for a Quote.\n <\/h2>\n\t\n <\/div>\t
\n\t\t\t\t\t\n\t\t\t\tRequest a Quote<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ full_width=”stretch_row” css=”.vc_custom_1760957173202{margin-bottom: 0px !important;background-color: #EAEAEC !important;}”][vc_row][vc_column]\n
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\n How We Can Help\n <\/h2>\n\t\n <\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_tabs spacing=”3″ active_section=”1″][vc_tta_section title=”Our Approach” tab_id=”1760959622822-c92430b5-67c1″][vc_column_text css=”.vc_custom_1761661525316{padding-top: 24px !important;}”]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\u2019re working on domestic builds, commercial developments or specialist infrastructure projects, we tailor our broking support to your business.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Cover Options” tab_id=”1760959622837-5e9dd437-6c1c”][vc_column_text css=”.vc_custom_1761661563266{padding-top: 24px !important;}”]We source a range of covers including contract works, public and employer\u2019s 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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Our Support” tab_id=”1760959637714-7d6630f3-1658″][vc_column_text css=”.vc_custom_1761661595611{padding-top: 24px !important;}”]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.<\/p>\n

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.<\/p>\n

Whether you\u2019re 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\u2019t go to plan.[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ full_width=”stretch_row” css=”.vc_custom_1774607673721{margin-bottom: 0px !important;}”][vc_row][vc_column]\n

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\n Insurance Solutions You Can Trust\n <\/h2>\n\t\n <\/div>[vc_empty_space height=”24px”][vc_tta_tabs spacing=”3″ active_section=”1″][vc_tta_section title=”Professional Indemnity” tab_id=”1774607662380-6a04a9a4-53aa”][vc_column_text css=”.vc_custom_1774607929701{padding-top: 24px !important;}”]Professional Indemnity Insurance<\/strong><\/p>\n

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\u2019s essential for businesses offering advice or services, ensuring financial stability in the face of unexpected disputes or claims.<\/p>\n

LEARN MORE ><\/a><\/strong>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Self-Employed” tab_id=”1774607885183-7e680918-c19f”][vc_column_text css=”.vc_custom_1774608633373{padding-top: 24px !important;}”]Self-Employed Insurance<\/strong><\/p>\n

Tailored insurance solutions for the self-employed, designed to protect your income, tools, and liability. Whether you\u2019re a sole trader or freelancer, having the right cover can ensure you\u2019re prepared for accidents, legal claims, or equipment damage. Stay secure and focus on your work with protection that fits your business needs.<\/p>\n

LEARN MORE ><\/a><\/strong>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Income Protection” tab_id=”1774607884174-223656be-b6b9″][vc_column_text css=”.vc_custom_1774608731677{padding-top: 24px !important;}”]Income Protection<\/strong><\/p>\n

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.<\/p>\n

LEARN MORE ><\/a><\/strong>[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][vc_tta_tabs spacing=”3″ active_section=”1″][vc_tta_section title=”Business Interruption” tab_id=”1774607880545-81d5b3b5-6dd2″][vc_column_text css=”.vc_custom_1774608793982{padding-top: 24px !important;}”]Business Interruption Insurance<\/strong><\/p>\n

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.<\/p>\n

LEARN MORE ><\/a><\/strong>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Tools & Equipment” tab_id=”1774607887510-79a7d859-d639″][vc_column_text css=”.vc_custom_1774608870054{padding-top: 24px !important;}”]Tools & Equipment Insurance<\/strong><\/p>\n

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\u2019re not left out of pocket. Replacement cover means minimal disruption, helping you stay productive and on the job.<\/p>\n

LEARN MORE ><\/a><\/strong>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Why Contractors Need Insurance” tab_id=”1774607887266-c65fda38-69e9″][vc_column_text css=”.vc_custom_1774608941133{padding-top: 24px !important;}”]Why Contractors Need Insurance<\/strong><\/p>\n

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.<\/p>\n

LEARN MORE ><\/a><\/strong>[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_bottom=”pb-4″ full_width=”stretch_row” content_placement=”middle” css=”.vc_custom_1741088111883{background: #002855 url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2025\/02\/4be645659cbbb0f3bbb6de6614f07be2.png?id=12053) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” row_title=”New CTA”][vc_column width=”1\/2″]\n

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\n Solutions at
\nEvery Stage\n <\/h2>\n\t\n <\/div>[\/vc_column][vc_column column_padding_bottom=”pb-0″ width=”1\/2″]\n
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\n Let\u2019s Find the Right Fit Together\n <\/h3>\n\t\n <\/div>[vc_column_text css=”” el_class=”text-white”]Every situation is different, and your insurance should reflect that. Let\u2019s connect and talk through options built with you in mind.[\/vc_column_text]\t
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\n Why Choose Us\n <\/h2>\n\t\n <\/div>[\/vc_column][\/vc_row][vc_row row_padding_top=”pt-2″ row_padding_bottom=”pb-2″ full_width=”stretch_row” row_type=”bg-overlay” row_overlay_color=”bg-transparent-white”][vc_column width=”1\/3″]
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Construction Sector Knowledge<\/h3>\n
We understand site operations, building contracts and on-site risks, helping shape insurance solutions suited to construction businesses.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][vc_column width=”1\/3″]
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Tailored Policy Sourcing<\/h3>\n
From small-scale trades to multi-site developers, we tailor insurance solutions to your trade, tools and contract conditions.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][vc_column width=”1\/3″]
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Ongoing Contract Support<\/h3>\n
We support you through policy changes, risk management, claims handling and insurer communications – all year round.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ el_id=”form”][vc_row row_title=”50\/50 Text and Form”][vc_column width=”1\/2″]\n
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\n Request a Quote\n <\/h2>\n\t\n <\/div>[vc_empty_space height=”16px”][vc_column_text css=””]<\/p>\n
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  • Simple & Efficient \u2013 Request a quote now<\/li>\n
  • Trusted Advisors \u2013 Nationwide specialists<\/li>\n
  • Exceptional Service \u2013 Rated by real customers on Feefo<\/li>\n<\/ul>\n

    [\/vc_column_text][vc_raw_html css=””]JTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy5mZWVmby5jb20lMkZyZXZpZXdzJTJGYnJvd24tYnJvd24tdWslMjIlMjB0YXJnZXQlM0QlMjJfYmxhbmslMjIlM0UlM0NpbWclMjBhbHQlM0QlMjJGZWVmbyUyMGxvZ28lMjIlMjBib3JkZXIlM0QlMjIwJTIyJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZhcGkuZmVlZm8uY29tJTJGYXBpJTJGbG9nbyUzRm1lcmNoYW50aWRlbnRpZmllciUzRGJyb3duLWJyb3duLXVrJTIyJTIwdGl0bGUlM0QlMjJTZWUlMjB3aGF0JTIwb3VyJTIwY3VzdG9tZXJzJTIwc2F5JTIwYWJvdXQlMjB1cyUyMiUyRiUzRSUzQyUyRmElM0U=[\/vc_raw_html][vc_single_image image=”34903″ img_size=”large” css=””][\/vc_column][vc_column width=”1\/2″][vc_raw_html css=””]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[\/vc_raw_html][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=”stretch_row” css=”.vc_custom_1762340316748{background-color: #EAEAEC !important;}”][vc_row row_title=”FAQs Accordion”][vc_column]\n

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    \n Your Questions, Answered\n <\/h2>\n\t\n <\/div>[vc_tta_accordion][vc_tta_section title=”What is contractor\u2019s all risks (CAR) insurance and do I need it?” tab_id=”1759938794153-b1e344a8-254a”][vc_column_text css=””]Contractor\u2019s 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\u2019s 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\u2019s all risks (CAR) cover based on your specific projects.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Do self-employed tradespeople need construction insurance?” tab_id=”1759938794177-302328c1-6f89″][vc_column_text css=””]Yes. If you’re self-employed and work in a trade such as plumbing, bricklaying, carpentry or electrical installation, you\u2019ll likely need public liability insurance to help protect against third-party injury or property damage. Employer\u2019s 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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Is insurance needed for tools and hired-in plant?” tab_id=”1759938794195-68a11cc8-923c”][vc_column_text css=””]Yes. Construction insurance can include cover for your own tools and equipment as well as plant or machinery you\u2019ve 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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Can you help with project-specific or joint-names policies?” tab_id=”1759938794218-7c12178f-e307″][vc_column_text css=””]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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”What is Erection All Risks (EAR) insurance?” tab_id=”1761661993983-439b4a83-edff”][vc_column_text css=””]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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Are my materials covered if they\u2019re not on site?” tab_id=”1761662028780-bec2118a-4454″][vc_column_text css=””]Yes – materials are covered anywhere in the UK, as long as they\u2019ve been assigned to a contract.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row row_title=”Feefo Carousel”][vc_column][vc_raw_html css=””]JTNDZGl2JTIwaWQlM0QlMjJmZWVmby1zZXJ2aWNlLXJldmlldy1jYXJvdXNlbC13aWRnZXRJZCUyMiUyMGNsYXNzJTNEJTIyZmVlZm8tcmV2aWV3LWNhcm91c2VsLXdpZGdldC1zZXJ2aWNlJTIyJTNFJTNDJTJGZGl2JTNF[\/vc_raw_html][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

    [vc_row row_style=”page-hero” full_width=”stretch_row_content_no_spaces”][vc_column][\/vc_column][\/vc_row][vc_section][vc_row][vc_column][vc_empty_space][vc_column_text css=””]Whether you’re laying foundations or managing multiple sites, construction insurance plays a central role in safeguarding your operations, workforce and reputation.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ full_width=”stretch_row” css=”.vc_custom_1760957173202{margin-bottom: 0px !important;background-color: […]<\/p>\n","protected":false},"author":51,"featured_media":33606,"parent":35243,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-33603","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nInsurance Solutions for the Construction Sector - Brown & Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/uk\/ind\/construction\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Solutions for the Construction Sector\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=”page-hero” full_width=”stretch_row_content_no_spaces”][vc_column][\/vc_column][\/vc_row][vc_section][vc_row][vc_column][vc_empty_space][vc_column_text css=””]Whether you’re laying foundations or managing multiple sites, construction insurance plays a central role in safeguarding your operations, workforce and reputation.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ full_width=”stretch_row” css=”.vc_custom_1760957173202{margin-bottom: 0px !important;background-color: […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bbrown.com\/uk\/ind\/construction\/\" \/>\n<meta property=\"og:site_name\" content=\"Brown & Brown\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-27T10:57:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2025\/10\/AdobeStock_183358395-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bbrown.com\/uk\/ind\/construction\/\",\"url\":\"https:\/\/www.bbrown.com\/uk\/ind\/construction\/\",\"name\":\"Insurance Solutions for the Construction Sector - 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