Construction Insurance

Providing risk solutions for the construction industry, with a range of insurance policies available to mitigate risks across the UK and Ireland

E-trade products Non e-trade products

Introduction

All construction, erection and installation work contain an element of risk, whether created by the nature of the work to be carried out, by the contractual liability or by the perils of the location in which the works take place.

Our response

HSB Construction Insurance

Our policies are specifically designed with the construction industry in mind, focused on minimising the disruption to commercial construction/residential construction projects across the UK and Ireland. From contractors’ plant and contract works to machinery movement and installation.

As a leading construction insurance provider, risks such as third-party liability, delays in construction project start-up and completion, commissioning and testing of machinery, and owned and hired-in plant can all be insured via our elements of cover.

Broker/agent trading options

E-trade

Non e-trade

Delegated authority/reinsurance solutions

HSB Knowledge Squad Podcast

Construction theft: contractors' small tools and equipment

HSB's John Nicholls, Construction Product Leader, and Jamie Talbot, Underwriting Manager, explore the rising impact of small tools and equipment theft in the construction industry, how they affect construction customers’ bottom line and, what preventative measures and industry best practices they can take or follow to mitigate the risk of theft.

Stream via: Apple Music | Spotify | YouTube | YouTube Music | Web browser

Listen now

Industry report

2025 UK construction trends

Our report explores key trends influencing the UK construction market.

Download report

We're proud to support:

Agriculture and Construction Equipment (ACE), and The National Construction and Agricultural Theft Team (NCATT); specialist police units targeting equipment theft from agricultural and construction sites.

ACE NCATT

1 of

Why buy construction insurance from HSB?

Our underwriters and risk engineers have extensive experience in the construction sector and are recognised as experts in this field. Drawing on our vast expertise in the sector as a construction insurer, we are able to provide construction insurance policies to meet the insurable risks of a specific project.

Policy wordings specifically designed with construction companies, contractors/sub-contractors, property builders and developers, and construction plant owners in mind
Extensive underwriting expertise
Specialist engineering knowledge of plant and machinery
Insurance covers available across the UK and Ireland
Access to experienced in-house construction loss control risk engineers
An established, responsive E-Trade Team for e-trade product underwriting referrals, general e-trade support and enquiries
Access to claims handlers and loss adjusters with specialist knowledge of the construction industry

Leading specialist provider of engineering and technology insurance and inspection services in the UK and Ireland
UK-based arm of HSB Group, the equipment breakdown insurance and inspection market leader since 1866
Part of Munich Re, a world leader in risk solutions, consistent risk management and financial stability
Financially strong and stable – rated A++ (Superior) by A.M. Best Company
A member of the Institute of Customer Service, demonstrating our commitment to continually improving customer service performance and professionalism

E-trade products

HSB Construction Insurance | Annual Construction Projects

HSB Annual Construction

An annually-renewable solution which provides comprehensive cover for construction, buildings and civil engineering projects.

HSB Construction Insurance | Construction Projects

HSB Project Construction

Provides comprehensive cover for construction, buildings and civil engineering projects.

HSB Construction Insurance | Contractors' Plant Insurance

HSB Contractors' Plant

Provides protection for unforeseen loss or damage to owned or hired-in construction plant and equipment.

Non e-trade products

Contractors' All Risks Insurance/Contract Works Insurance

Comprehensive cover for construction, buildings and civil engineering projects.

Erection All Risks Insurance

Cover for electrical/mechanical plant risks during the erection/installation stage.

Contractors' Plant Insurance

Cover for unforeseen loss or damage to owned or hired-in construction plant and machinery.

Machinery Movement Insurance

Cover for plant and machinery loss and damage during the transit and installation process.

Delegated authority/reinsurance solutions

We can provide our partners with innovative, all-encompassing construction insurance solutions. If you're looking to provide specialist covers as part of your commercial proposition, contact our team.

Partnerships Team