Construction insurance
From small building projects to larger construction jobs, there's a lot to think about when you're working on site. Whether you're a self-employed tradesperson or run a construction business, Superscript can help you find insurance that suits the work you do.
What is construction insurance?
Construction insurance is designed for people and businesses working in the construction industry.
With different trades, tools and people involved, construction work can come with its share of risks. Construction insurance can help protect your business against certain unexpected costs and claims if something goes wrong while you're on the job.
What can construction insurance cover?
From accidental damage on site to injuries involving other people, even a well-managed construction project can take an unexpected turn. You’re building dreams, from sweeping commercial projects which change cityscapes to changing the way people live and move around their homes.
Depending on your policy, construction insurance can help with the costs of certain accidents, injuries and damage to other people's property. It may also offer protection for things like your tools, equipment, building materials and work in progress.
Not every insurer offers the same cover. Some types of cover may be optional, and policies can have different limits and exclusions.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Who is construction insurance for?
Construction insurance is designed for people and businesses working across a range of construction trades, from self-employed tradespeople to companies employing a team.
Whether you work in building, carpentry, plastering or another construction trade, the insurance you consider will depend on your business, the type of work you do and where you work.
Insurance for larger construction businesses
As your construction business grows, you may find yourself managing bigger projects, more people and increasingly complex risks.
For established construction firms with specialist insurance requirements, our Cover Plus broking service offers a more personal approach. Our team can help you explore insurance options based on your business, the projects you take on and the risks involved.
Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.
Why consider construction insurance?
Even with experienced people on site and careful planning, accidents can happen. An unexpected incident could leave your business facing a claim, damaged equipment or delays to a project.
Construction insurance can help protect your business against certain unexpected costs, giving you one less thing to worry about while you focus on getting the job done.
Some clients, contractors and trade bodies may also ask you to have insurance in place before work begins. So having cover could help you attract and keep customers.
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Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.
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