Construction Insurance

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Construction Business Insurance Brokers

Construction can be a high risk trade, at BJP Insurance Brokers we know the risks – and how to manage them.

At BJP, Construction Insurance has been the mainstay of our business since we started trading well over a decade ago – and we’re recognised specialists in the field. Whether you’re a sole-trading plumber, a booming asbestos removal business, or anything in between, we can provide you with insurance and risk management solutions to cover you for any eventuality.

What is Construction Insurance?

Construction Insurance covers a range of products especially designed to cater for the needs of companies serving the construction industry. Due to the elevated and specific risks involved in construction, these needs are different from other sectors.

Our Construction Insurance solutions protect construction companies of every size and specialist niche, from individual tradesmen to civil engineering contractors. We can provide a range of business specific products from a range of UK-based insurers to ensure you have all risks covered.

So whether you need advice on liability insurance, motor and plant, performance bonds, warranties, deposit guarantees, credit insurance or equipment and motor fleet insurance, our dedicated team of construction insurance professionals are here to help.

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Commercial Construction insurance

Bespoke insurance and risk management programmes for larger businesses

Why do I need Construction insurance?

Construction sites are hazardous places. Insurance is essential if you own, run or manage a construction or building site – or provide a service that involves being on a construction site for any time.

Construction Insurance will help in case your business comes under threat from a claim. Legal claims can come in many shapes and forms – from an injured employee (or ex employee) to a disgruntled contractor.

Having robust Construction Insurance in place will help you fight the claim and cover any related costs. In many cases it can mean the difference between your business sinking or swimming.


I had never had to arrange marine insurance before and was really overwhelmed with all the wording on a lot of companies websites. I found that BJP insurance had a really easy to use website
Excellent value for money. BJP found us a better product at a better price than we had before

We offer a full range of insurance products for the construction industry

Latent Defects insurance

Contractors insurance

Construction Health & Safety insurance

Contract Works Insurance

Builders insurance

Tradesman insurance

For impartial advice about insuring your business through BJP Insurance please contact a member of our broking team today.

Business insurance

For businesses and professionals of Small and Medium sized enterprises

What does a typical Construction Insurance plan include?

Every business is different, even within the construction sector. One of the benefits of choosing BJP as your insurance broker is that we work hard to cater to your individual needs, addressing the most serious risks that your specific business runs, and finding you an insurance plan that covers your needs.

That said, there are some covers we advise almost every construction business to take out. These include:

Public Liability Insurance

Imagine you were working at a client’s premises and a falling brick or faulty wiring damaged their property – or worse, injured a member of the public. Public Liability Insurance would protect you by covering the cost of your legal defence as well as any compensation payments or legal expenses.

Employers Liability Insurance

If your business employs staff – even part-time casual workers, Employers Liability is a must. In fact, it’s a legal requirement. If you were sued by an employee who claimed you were responsible for a chronic disease or serious accident, the legal costs and compensation demands could put you out of business.

Contract Works/Contractors All Risks Insurance

Imagine if a wall you were constructing collapsed due to bad weather, your Contract Works Insurance would cover the cost of rebuilding the wall. This cover also pays out for replacements if you have equipment stolen from your site.