Construction Insurance

We build cover around you. There are nearly 315,000 construction firms in the UK. And in our experience, no two are exactly the same. That’s why we never try to sell you a one-size-fits-all solution, instead we provide cover that’s tailored to your individual needs.

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For more than 25 years we’ve been providing cover and expertise on products ranging from simple per capita liability to bespoke construction packages for national operators. Our expert team will get to know you and the risks you face before arranging the most comprehensive cover at the best rates from our panel of over 280 insurers. We also offer risk assessment support and risk management advice, together with a robust, but fair, approach to third party claims.

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Exceptional claims management when you need it most

Traditionally, making claims on your insurance results in your premiums rising. It doesn’t have to be that way. We provide you with in-depth claims analysis that highlights possible trends and identifies areas where better Risk Management could actually reduce your costs.

We are expert at designing and implementing Risk Management programmes that work with your business and will always look to secure a sizable insurer contribution for any risk improvement. We can give you and your team access to regularly updated HR support and risk management tools and advice that will leave you with more time to spend on your business.

Should the unexpected happen, and you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need, get your claim settled quickly and smoothly and recover your losses. So you can keep your business running with the minimum of disruption.

For bespoke advice, award-winning underwriting and exceptional claims management for the construction sector, it has to be Higos.

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For independent advice or a personal quote

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Our construction industry cover includes:

As well as being able to insure your general commercial risks (such as buildings, contents and liability), we can cover risks specific to your business, such as:

  • UK wide all risks cover for plant and equipment
  • Cover for tools/equipment in unattended vehicles
  • Experienced internal claims department with optional loss adjusting extension
  • Free Legal expenses cover including legal advice
  • JCT clause cover
  • Stand-alone liability cover
  • Construction professional indemnity cover
  • Environmental liability
  • Performance bonds
  • Latent defect cover
  • Business interruption cover
  • Delay in start up
  • Financial loss cover.

For independent advice or a quotation for your business

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Free mid-term review

Even if your policy isn't due for renewal now, we'd be happy to offer you a free, no obligation assessment of your current levels of cover

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