Insurance for construction businesses

At CLEAR we understand that both the construction and engineering industries are broad and that no two businesses in either industry are the same, which is why we take the time to understand the nature of your work and the specific risks involved. With involvement in the insurance programmes for some of the UK's most prestigious developments, including The Shard, Earls Court and Battersea Power Station you can be sure we know how to dot the i's and cross the t's!

With our vast amount of experience CLEAR holds the status of one of the longest serving brokers, advisors and suppliers to leading UK construction and engineering companies. Whether your business is pre-construction services, demolition, civil engineering, enabling works, formwork, residential property construction, remediation and environmental work, or in the fitting and finishing trades, CLEAR provides innovative ways for devising the right insurance programme for your business. Completed by our proactive claims management approach, we don't think you'll find a better insurance partner to protect your business.

Cover features and benefits

  • Tailor-made schemes designed to provide the best possible protection for your business
  • Construction cover for contractors and builders
  • Contractor's All Risks insurance
  • Public and Employer's Liability insurance
  • Professional Indemnity insurance
  • 6.5.1 Non-Negligent cover
  • Plant insurance
  • Motor Fleet insurance
  • Proactive claims management service
  • Help managing your sub-contractors and review of their insurances

What you need to know

Here are some of the most frequently asked questions we receive about our Construction cover.

How can I make sure I am properly insured for the risks that I face?

Construction and engineering industry businesses are often subtly different in the work that they conduct and therefore also the risks involved. CLEAR understand that no two risks are the same and can devise an insurance programme which is tailored to your unique business activities.

What can you do to assist with claims management?
The efficient administration of claims is really the acid-test of the effectiveness of an insurance policy. At CLEAR we have a dedicated claims team who will work hard to help settle claims.
How can I ensure I am obtaining competitive quotations?
CLEAR have access to a wide range of leading UK construction and engineering insurers for quotations. We place a firm emphasis on insurers of quality and financial standing, who can deliver appropriate insurance solutions, including the required supporting claims service.
Do I need professional indemnity insurance?
It is a common misnomer that Professional Indemnity insurance is only required for construction and engineering companies that provide their own design work. Businesses that provide advice, consultancy or design can commit errors in the course of their professional business that lead to financial losses suffered by third parties. Even companies that sub-contract all design works have exposures – a dissatisfied customer is likely to bring a claim against you, not your sub-contracted designer, for example.
My requirements are non-standard, is this a problem?
At CLEAR we are used to handling bespoke requirements for clients. This does not necessarily mean that the solutions are more expensive, but that they need to reflect specific business circumstances.
How do I know if my sub-contractors are insured – my policy states that they need to be?
This is an increasingly important area for policyholders to focus on. Many liability policies contain warranties that sub-contractors need to have their own insurance in place for a related claim to be covered. Breaches of this can lead to claims going unpaid. CLEAR can assist with the management of this often-overlooked issue.

Speak to our specialist, Nick Smallcorn, to arrange your insurance cover.

Call 0207 280 4980 or email