Construction Insurance

Construction Insurance can cover a wide range of risks depending on the type of work you do, the contracts you take on and the equipment you use.

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Most construction firms start with Public Liability Insurance, which can help cover legal costs and compensation if a member of the public is injured or their property is damaged as a result of your work.

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If you employ staff, Employers’ Liability Insurance is a legal requirement. It covers claims from employees who are injured or become ill while working for you.

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For more complex jobs, additional cover is often needed. You can build a policy that suits your operation by including:

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• ‍Contract Works Cover: Protects ongoing building work and materials on site. It can help if a job is delayed or damaged before completion.‍
• Tools and Materials Insurance: Covers the cost of replacing tools, materials or equipment that are stolen or damaged.‍
• Own Plant and Hired in Plant Insurance: Provides protection for machinery and equipment your business owns or hires, whether it is on site or in transit.‍
• Legal Expenses Insurance: Can help with the cost of legal representation and advice, including support for contract disputes, employment issues and tax investigations.

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Construction Insurance can be tailored to match your business size, site activity and project complexity, giving you confidence that if something goes wrong, you are covered.

Yes. As with any insurance, there are situations where a claim may not be covered. Construction Insurance is designed to protect your business when things go wrong, but it is important to understand where the limits are before you choose your cover.

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Here are a few common reasons why a claim could be denied:

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• ‍Work not declared on your policy: If you carry out work that was not disclosed when you arranged your policy, such as working at height beyond your stated limits or in restricted environments, your claim may not be valid.‍
• Damage to your own property: Public Liability Insurance covers damage to third party property. To protect your own tools, machinery or materials, you would need to include Tools and Materials or Plant cover to your policy.‍
• Intentional damage or unsafe practices: If injury or damage is caused deliberately, or due to a clear breach of health and safety regulations, the claim may be rejected.‍
• Asbestos-related work: Standard Construction Insurance policies do not cover work involving asbestos due to the high risks involved.

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This is not a full list, but it gives you an idea of the kinds of exclusions that may apply. To explore the full terms and conditions, you can review our policy summaries and wordings here.

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If you have questions about what would or would not be covered for your business, our team is here to help. Call us on 020 3808 7099 and we will walk you through it.

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We've made our policies flexible. You can increase your coverage as your business grows without incurring any admin fees; you'll only pay the additional premium for the higher coverage.

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Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

If something goes wrong — an accident on-site, a damaged client property, or stolen kit — you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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Send over any supporting documents (photos, receipts, police report if it’s theft), and ideally let us know within 14 days. The sooner we know, the sooner we can help.

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We’ll guide you through it — but here’s what’s helpful up front:

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• What happened and when
• Where it happened
• Any evidence (photos, receipts, invoices, etc.)

If you’re claiming for tools or materials, we’ll pay the original purchase price if they can’t be repaired — just make sure your cover limit reflects what your kit is worth.