UK and Ireland
HSB Construction Insurance: Our comprehensive range of insurance policies can cover all aspects of commercial/residential construction projects.
© Getty Images

Construction Insurance

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

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    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

    As a leading specialist provider of enginering and technology insurance, our policies are specifically designed with the construction industry in mind; focused on minimising the disruption to commercial and residential construction projects across the UK and Ireland. From contractors' plant and contract works to machinery movement and installation.

    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.

    Trading options

    E-trade

    Access our e-trade products via our online solutions: HSB Fast Track or Acturis; fully supported by our E-Trade Team.

    Non e-trade

    Supported by our customer-centric team of underwriting and business development professionals.

    Delegated authority/reinsurance

    We can provide our partners with capacity, as well as innovative, all-encompassing embedded solutions. If you’re looking to provide specialist cover as part of your commercial proposition:

    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

    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.

    Rated A++ (Superior) by
    A.M. Best Company

    Financially strong and stable.

    Member of the Institute of
    Customer Service

    Demonstrating our commitment to continually improving customer service performance and professionalism.

    Products

    Insights

    HSB Knowledge Squad Podcast
    2025 UK construction trends

    HSB's John Nicholls and John Butterworth explore key trends that are reshaping the future of the UK construction market, and how those trends are impacting construction insurance risks.

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

    Listen now
    Modern building
    © Getty Images/Antonio Hugo
    Industry reports
    2025 construction trends: UK & Ireland
    Explore key trends that are reshaping the future of the UK and Ireland's construction markets, and how those trends are impacting construction insurance risks.
    UK report Ireland report
    Modern buildings
    © Getty Images/Antonio Hugo/xsw
    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: Amazon Music | Apple Music | Spotify | YouTube | YouTube Music | Web browser

    Listen now
    Circular saw
    © Getty Images/vm
    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
    Construction plant and equipment
    © Getty Images/Michael H
    Article
    UK Building Safety Bill - Chartered Insurance Institute Journal
    John Nicholls, Construction Product Leader - HSB
    Read article
    Houses of Parliament
    © Getty Images
    Article
    Rebuilding the construction market - Insurance Day
    John Nicholls, Construction Product Leader - HSB
    Read article
    UK construction site
    © HSB Engineering Insurance Limited
    Article
    Viewpoint: Innovation creates fresh risks in the construction sector - Insurance Day
    John Nicholls, Construction Product Leader - HSB
    Read article
    Innovative building construction
    © Getty Images

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