UK and Ireland
HSB Construction Insurance | Annual Construction Projects
© Getty Images

HSB Annual Construction Insurance

E-Trade Product

Brokers/Agents: Trade via HSB Fast Track or Acturis

    alt txt

    properties.trackTitle

    properties.trackSubtitle

    Introduction

    Focused on minimising the disruption to commercial/residential construction projects, we can provide comprehensive, annually-renewable cover for construction, buildings and civil engineering contract works.

    Optionally, we can also provide cover for owned and hired-in contractors’ plant as well as employees' tools and personal effects.

    © Getty Images/Antonio Hugo/xsw
    2025 construction trends: UK & Ireland - Download our industry reports
    Explore key trends that are reshaping the future of their respective construction markets
    HSB Annual Construction Insurance: Features
    • Materials from the commencement of loading for despatch to site (including transit and incidental storage)
    • Contract works during the construction period (including automatic continuation of cover for ongoing contracts that increase in contract price; up to 125% of the sum insured)
    • Maintenance and defective design
    • Free issue materials where these are included in the declared values
    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
    Circular saw
    © Getty Images/vm
    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
    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

    1 of

    Why buy construction insurance from HSB?

    Our underwriters and risk engineers have extensive experience in providing construction insurance and are recognised as experts in this field. Drawing on our vast expertise in the construction sector, we are able to provide insurance products to meet the insurable risks of a specific project:
    • Policy wordings specifically designed with contractors, property developers and construction plant owners in mind
    • Extensive underwriting expertise of construction projects
    • Specialist engineering knowledge of plant and machinery
    • Cover available across the UK and Ireland
    • Access to experienced in-house construction loss control risk engineers
    • An established, responsive E-Trade Team for underwriting referrals, general e-trade support and enquiries
    • A dedicated, customer-focused in-house claims team 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
    HSB is committed to providing a superior customer experience through our specialist claims service
    HSB Claims Team

    Claims examples

    HSB Construction Insurance in action

    £48,001
    Claim
    A bulldozer caught fire whilst static, causing extensive damage. Due to the extent of the damage, the bulldozer had to be replaced.
    £11,500
    Claim
    A hired-in dumper was stolen from a secure area of a construction site. The incident was reported to the Police and a crime reference number was issued.
    £19,000
    Claim
    A hired-in three-ton dumper was accidentally driven into a ditch, causing water to enter the engine and causing irreparable damage.

    Access our product via HSB Fast Track or Acturis

    Quote

    Bind

    Process mid-term adjustments

    Obtain renewal terms

    Get an online quote within just a few clicks
    Instant access to policy documentation
    Manage your customers' MTAs online
    Supporting documentation immediately accessible

    HSB Fast Track: log-in

    New HSB Fast Track user? Registration is quick and easy.

    Product documentation

    Contact us

    These may also interest you