Engineering, Construction & Development
Strategic protection for risk on site.
Construction and development risk is complex, fluid and contractually layered. Whether you are financing, building or operating a project, the insurance strategy needs precision, foresight and expertise.
We specialise in insurance solutions for development programmes of all scales, from bespoke residential schemes to complex, high-value and infrastructure-led projects. The exposures faced at project inception are different to those at practical completion, and our approach adapts across the full risk lifecycle.
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We advise on risk transfer strategies at each phase of a project, ensuring liabilities sit in the right place between developers, contractors, consultants and that insurance arrangements reflect contractual obligations, procurement routes and funding requirements - from contract works policies through to public and employers’ liability, professional indemnity, latent defects, warranty exposures, and plant and machinery risks.
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Our focus goes beyond simply arranging cover, it is about structuring protection that is clear, robust and designed to respond when it is tested.
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Our clients include developers, principal contractors, funders and asset owners undertaking major works who need proactive, technically rigorous protection for construction risk. Construction insurance is not about simply placing a policy, but structuring protection that responds when things go wrong on site. We bring deep technical insurance knowledge alongside commercial understanding of development risk to protect project viability and financial outcomes.
CONTRACT ALIGNMENT
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Reviewing insurance clauses within contracts, appointments and funding documentation to ensure requirements are clear, achievable and correctly reflected in cover.
RISK PROFILING
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Assessing the construction method, value, complexity and stakeholder structure to define the true risk profile of the project.
MARKET SELECTION
Selecting insurers with the right appetite, capacity and technical strength for the specific construction risk.
POLICY STRUCTURING
Structuring liability covers to avoid overlaps, gaps and disputed exposures across project parties.
CLAIMS PREPAREDNESS
Putting early claims strategy and loss response planning in place for complex construction losses.
assessing your project risk profile
Our first step is to understand your project design and delivery model. This understanding ensures we can build insurance structures that reflect contractual liabilities and meet funder requirements.
CONTRACTOR OBLIGATIONS AND SUBCONTRACTOR ROLES
COST INFLATION, TIMELINES AND MILESTONE EXPOSURES
CONTRACT TERMSÂ
THIRD-PARTY LIABILITIES AND ASSET HANDOVER RISKS
Your partner at every step.
From pre-contract stage through to completion and handover, we support construction projects with clear, structured insurance advice that aligns with your contractual obligations, risk profile and funding requirements.
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We review insurance clauses within project documentation, structure policies to avoid overlaps, gaps and disputed exposures, and select insurers with the right appetite and technical strength for complex construction risks. Where losses occur, we put claims strategy in place early to protect outcomes and minimise disruption across the project team.
managing risk across the project lifecycle
WHAT WE COVER
Contract worksÂ
Plant and equipment
Public & employers’ liability
Delay in start-up / advanced loss of profit
Professional indemnity
Environmental and pollution risks
Latent defects / structural warranties
Risk management solutions for major developments
WHAT WE COVER
Buildings and contents
Cyber risk
Business interruption
Terrorism
Public & employers’ liability / food & drink liabilityÂ
Guest property and valuables
Reputational and operational exposures
Risk management solutions for major developments
YOUR RISK MAY INCLUDE COVER FOR...
WORKS & ON SITE:Â
CONTRACT WORKS, PLANT & EQUIPMENT
PROJECT CONTINUITY & DEFECTS:Â
DELAY IN START-UP / ADVANCED LOSS OF PROFIT, LATENT DEFECTS AND STRUCTURAL WARRANTIES, RISK MANAGEMENT SUPPORT FOR MAJOR DEVELOPMENTS
LIABILITY & PROFESSIOnAL EXPOSURE:Â
PUBLIC & EMPLOYER'S LIABILITY,
PROFESSIONAL INDEMNITY, ENVIRONMENTAL AND POLLUTION RISKSÂ
WORKS & ON-SITE
Contract works, plant and equipment
PROTECTING YOUR PROJECT FROM LOSS AND DISRUPTION
LIABILITY & PROFESSIONAL EXPOSURE
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Public and employers’ liability, professional indemnity, environmental and pollution risks
PROJECT CONTINUITY & DEFECTS
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Delay in start-up / advanced loss of profit, latent defects and structural warranties, risk management support for major developments