Construction insurance for your business, your contracts and your projects

In construction, contracts, project values, subcontractors, design responsibilities and client requirements can change from one job to the next. Your insurance needs to keep up.

We take the time to understand your business, contracts and projects, then structure insurance around the risks you face. From contract reviews and insurance placement to claims support and ongoing risk advice, we help you understand what’s covered, where gaps may exist and what you can do about them.

Who we work with

We support established and growing businesses across the construction sector, including:

Design and Construct Contractors | Commercial Builders | Civil Contractors | Principal Contractors | Property Developers | Specialist Subcontractors | Infrastructure Contractors | Fit-out and Refurbishment Specialists | Concrete and Formwork Contractor | Cladding and Facade Specialists | Scaffolding Contractors | Project Management Businesses.

When construction gets complex, insurance needs to keep up

A larger contract. A new principal. Higher project values. More design responsibility. A different type of construction. Each change can bring new risks for your business.

We help directors, finance teams and project leaders spot potential issues, including:

• Contractual insurance obligations that may extend beyond existing cover
• Higher project values or activities outside existing policy parameters
• Increasing design or professional responsibilities
• Defects and warranty exposures after practical completion
• New construction methods, materials or project types
• Claims activity affecting future insurance terms
• Changing insurer appetite, premiums, excesses or coverage restrictions

The earlier you identify these issues, the more options you’ll generally have to address them.

Understand the insurance implications before you sign

The insurance requirements in a construction contract won’t always match the cover you already have. We review the insurance requirements in contracts and tenders so you can identify potential issues before you sign.

Our review may consider:

• Required policy types and limits
• Principal and contractor insurance requirements
• Design and professional liability obligations
• Existing property requirements
• Project-specific insurance arrangements
• Contractual indemnities and their insurance implications
• Evidence of insurance required before works commence

Our role is to help you understand and address the insurance implications of the contract. Legal advice should be obtained where appropriate on the interpretation of contractual provisions.

Insurance solutions for construction businesses

No two construction businesses are the same. Before recommending an insurance program, we look at the work you do, the contracts you sign, the people and equipment involved, and where your business is heading.

Protecting the project:

• Contract Works Insurance: Cover for physical loss or damage to a project while construction is underway, subject to policy terms and conditions.
• Plant and Equipment Insurance: Cover for owned and hired-in plant, machinery and equipment.

Protecting against liability:

• Public and Products Liability: Cover for certain claims involving third-party injury or property damage connected with your work.
• Professional Indemnity Insurance: Relevant where your business takes on design, certification, specification or advisory responsibilities.

Protecting the business:

• Management Liability Insurance: Cover designed for a range of risks faced by directors, officers and the business, including certain employment and management matters.
• Motor Fleet Insurance: Insurance for construction vehicles and fleets, structured around how they are used.
• Workers Compensation Insurance: Support with workers compensation insurance, claims management and return-to-work outcomes.

Protecting completed projects:

• Latent Defects Insurance: Long-term cover for certain structural defects identified after a project is completed, subject to policy terms and eligibility.

More than insurance placement

Our support doesn’t stop once your insurance is placed. We work with you throughout the year as your projects, contracts and risks change.

This can include:

• Reviewing insurance requirements in contracts and tenders
• Assessing new projects against existing insurance arrangements
• Structuring annual and project-specific programs
• Presenting your business and its risk controls clearly to insurers
• Negotiating renewal terms
• Supporting clients through claims
• Identifying new risks as the business grows

Whether you deliver commercial, civil or specialist construction projects, we’re here to help protect the business behind the build, not simply arrange a policy.

Why construction businesses choose GSA

Construction specialists: We understand how project delivery, contracts, subcontractors, design obligations and changing project values affect insurance.

Insurance that considers the contract: We look at the interaction between contractual insurance requirements and the policies in place so potential issues can be identified before work begins.

Strong representation to insurers: We help insurers properly understand your business, projects, controls and risk management.

Claims support when it matters: If something goes wrong, we help coordinate the insurance response, explain what happens next and advocate for you throughout the claim.

Experienced people who know your business: You have direct access to construction specialists who understand your program and can explain complicated coverage issues in plain English.

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When did you last put your construction insurance to the test?

A new contract, larger project or change in operations can create gaps that weren’t there when your insurance was arranged.

A GSA construction insurance review can help identify:

• Whether the current insurance reflects the work being undertaken today
• Areas where contractual requirements and insurance may not align
• Project or activity limitations requiring attention
• Opportunities to improve how the business is presented to insurers.