Construction Insurance UK
Specialist Cover for Developers, Contractors & Complex Projects
Construction projects involve multiple stakeholders, tight timelines, and significant financial exposure. A single incident—whether damage to works, a liability claim, or project delay—can have serious consequences.
At Miller & Partner, we arrange tailored construction insurance programmes designed to protect projects from start to completion, ensuring you meet contractual requirements and avoid costly gaps in cover.
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Get Expert Construction Insurance Advice
✔ Tailored insurance programmes for your projects
✔ Access to specialist UK and international insurers
✔ Support with complex and high-value risks
✔ Guidance on contract requirements (including JCT)
👉 Speak to a specialist today to discuss your construction insurance needs
Who We Work With
We advise a wide range of construction clients, including:
Property developers
Main contractors
Civil engineering firms
Project managers and consultants
Specialist and high-risk contractors
If you are a sole trader or small contractor, you may find our contractors insurance solutions more suitable.
What is Construction Insurance?
Construction insurance is not a single policy—it is a structured programme of covers designed to protect building projects and the parties involved.
Depending on your requirements, cover can be arranged:
On an annual basis
For a specific project
Across multiple sites or developments
Each programme is tailored to reflect the risks, scale, and contractual obligations of your work.
What Does Construction Insurance Cover?
A typical construction insurance programme may include:
Damage to works in progress
Third-party injury or property damage
Employee injury claims
Loss or damage to plant and equipment
Legal defence costs
Financial losses arising from insured events
Cover is tailored depending on project complexity and risk profile.
Core Covers We Arrange
Contractors’ All Risks Insurance
Provides protection for:
Contract works
Materials on site
Temporary structures
This is the foundation of most construction insurance programmes.
Public Liability Insurance
Covers claims from third parties for:
Injury
Property damage
Essential for construction activities involving public exposure.
Employers’ Liability Insurance
A legal requirement for businesses with employees.
Covers claims arising from workplace injury or illness.
Plant & Machinery Insurance
Protects owned or hired equipment against:
Theft
Accidental damage
Professional Indemnity Insurance
Relevant where your business provides:
Design input
Technical advice
Consultancy services
Unsure what covers your construction business needs?
Contact us today on [email protected] or call 01792 001350
Or simply...
Specialist Cover for Complex Construction Risks
For larger or more complex projects, additional protection may be required.
Delay in Start Up (DSU)
Covers financial losses resulting from delays caused by insured damage.
Contractor Insolvency Insurance
Protects against disruption if a contractor or subcontractor becomes insolvent during a project.
Construction Cyber Insurance
Addresses risks associated with digital systems, payments, and data security.
Structuring Complex Risks
We specialise in designing insurance programmes for complex construction environments, ensuring all parties and exposures are properly protected.
Construction Insurance and Contract Requirements
Construction contracts often require specific insurance arrangements.
We help ensure compliance with requirements such as:
Contract works insurance
Public liability limits
Joint names policies
JCT contract conditions
Failure to meet these obligations can result in delays, disputes, or financial penalties.
How Much Does Construction Insurance Cost?
Costs vary depending on:
Project size and value
Type of construction work
Risk exposure
Claims history
Required cover limits
As a guide:
Smaller projects: from £500+ annually
Mid-sized businesses: £2,000 – £10,000+
Large or complex developments: tailored pricing
We provide bespoke quotations based on your specific requirements.
Why Choose Miller & Partner?
Construction insurance requires more than standard cover—it requires a structured approach.
We provide:
Tailored insurance programme design
Access to specialist insurers
Expertise in complex and high-risk sectors
Support with contract compliance
Dedicated claims assistance
Our focus is on ensuring your cover is fit for purpose, not just competitively priced.
Speak to a Construction Insurance Specialist
If you’re involved in construction projects and need reliable, specialist insurance advice, we’re here to help.
👉 Contact Miller & Partner today to arrange tailored construction insurance cover
Frequently Asked Questions
- Employers’ liability insurance (legally required if you have staff)
- Public liability insurance for third-party injury or property damage
- Contractors all risks insurance for works in progress
- Plant and machinery insurance for owned or hired equipment
- Professional indemnity insurance for design or advisory work
This combination forms a comprehensive construction insurance package for most UK contractors.
Employers’ liability insurance is legally required if you employ staff. Other covers such as public liability and contractors all risks are not legally mandatory but are essential in practice, as most clients and contracts require them before work can begin.
Costs vary depending on turnover, type of work, number of employees, and risk level. Sole traders may pay from £300-£600 annually for basic cover, while larger businesses with multiple employees and higher-risk work can pay £1,500-£5,000+ or more.
Contractors all risks insurance covers damage to works in progress, materials, and temporary structures on site. It can also include cover for theft, fire, flood, and accidental damage during construction projects.
Yes. You must clarify whether subcontractors are labour-only or bona fide. Labour-only subcontractors are usually covered under your policy, while bona fide subcontractors should have their own insurance. Insurers must be informed of how you operate.
Yes, tools and plant can be covered under tools insurance or plant and machinery policies. This protects against theft, damage, and loss, including items stored on-site or in transit (subject to policy terms).
Working without insurance exposes you to significant financial risk. You could be liable for injury claims, property damage, and legal costs. You may also be unable to win contracts or legally employ staff without employers’ liability cover.
Yes, but high-risk activities such as working at height, demolition, or structural alterations may require specialist insurers, higher premiums, and stricter terms. Full disclosure of your work activities is essential.
Yes. A broker can compare multiple insurers, identify gaps in cover, and structure a policy tailored to your business. This is particularly valuable for complex or higher-risk construction operations.
Check out our construction articles hub
Check out our related blogs on this topic
The Essential Guide to Insurance for Complex Construction Risks UK 2026
Delay in Start-Up Insurance UK (DSU Insurance Explained)
Real World Example
A construction firm approached Miller & Partner Limited after a site incident caused significant damage to partially completed works and neighbouring property, triggering multiple claims. We immediately engaged insurers under their Contractors All Risks and Public Liability cover, coordinating loss adjusters and legal support to manage the situation. By ensuring a clear, structured response and handling communications between all parties, the claim was resolved without escalation. The client avoided substantial financial exposure and was able to continue.
Our Expertise in this Field
At Miller & Partner Limited, we specialise in arranging tailored construction insurance for contractors, developers, and trades across the UK. We understand the risks involved, from on-site accidents and third-party liability to contract works, plant, and delays. Our expertise ensures comprehensive protection is in place, with cover aligned to your projects, contracts, and working methods. With a practical, advisory approach, we provide robust insurance that keeps your construction projects moving safely and efficiently.
John sorted me out for the insurance I needed for my company and provided an excellent service. I can highly recommend Miller & Partner and will be using them again for all my commercial insurance requirements.
I can recommend Miller and Partner. They were prompt, efficient and responsive to my needs.
Very grateful for John’s assistance in finding a suitable policy for our needs, and being helpful and prompt in his advice. Highly recommended!
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]
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