Construction Insurance
Specialized insurance for builders, contractors, and construction companies. Comprehensive coverage for projects, equipment, workers, and liability risks.
Construction is a high-risk industry. Every project involves significant investment, multiple workers, heavy equipment, third-party involvement, and exposure to accidents and damage. Whether you're a small tradesman or a large construction company managing multiple projects, comprehensive insurance protection is essential.
At Aserto, we specialize in construction insurance tailored to builders, contractors, subcontractors, and construction companies. We understand the unique risks of construction projects, from site accidents to equipment damage to liability claims. Our role is to ensure your construction business is protected against these risks so you can focus on delivering projects safely and profitably.
Construction Insurance Coverages
Contractor's All Risks (CAR)
- Temporary structures and site facilities
- Materials and plant on site
- Works during construction
- Theft and vandalism protection
Plant & Equipment
- Heavy machinery and equipment
- Scaffolding and access equipment
- Plant hire and leasing protection
- Breakdown and mechanical cover
Liability Coverage
- Public liability for third-party injuries
- Employers' liability for workers
- Professional indemnity and design liability
- Defects liability and product liability
Specialist Covers
- Project-specific insurance
- Tools and equipment coverage
- Contract works and delay in completion
- Environmental and pollution liability
Key Considerations for Construction Insurance
Project-Specific Requirements
Every construction project is unique with different risks, timelines, and values. Site conditions, project scope, and contract terms all affect insurance needs. We tailor coverage to each specific project.
Subcontractor Management
You're responsible for ensuring subcontractors have appropriate insurance. We help you manage subcontractor compliance and ensure proper insurance chains are in place.
Health and Safety Compliance
Construction is highly regulated. Health and safety compliance is mandatory, and insurers will require evidence of proper safety protocols. We ensure your insurance supports your compliance obligations.
Contract Liability Terms
Construction contracts often include specific insurance requirements and liability allocations. We review contracts to ensure your insurance aligns with contractual obligations.
Policy Limits and Exclusions
Typical Coverage Limits
- • CAR Cover: Up to project value (typically £100,000–£5,000,000+)
- • Public Liability: £1–10 million per claim
- • Employers' Liability: £5–10 million (legal requirement)
- • Plant Hire: Equipment value coverage
Common Exclusions
- • Defective workmanship (unless insured)
- • Gradual deterioration or wear and tear
- • Non-compliance with health and safety
- • Contractual liability not disclosed
- • Uninsured subcontractors or workers
Why Choose Aserto?
Construction insurance requires specialized expertise. We understand the unique risks of construction projects, the complexities of contract liability, and the importance of comprehensive protection for your business and projects.
Independent Brokerage
Not tied to any single insurer. We find the best coverage at the best price for your situation.
Tailored Advice
We take time to understand your unique needs and create customized solutions that protect what matters most.
Expert Claims Support
When you need us most, we're there to guide you through every step of the claims process.
Clarity
Clear communication. We explain what you're covered for and why, no jargon or hidden terms.
Confidence
Know that you're protected by expert insurance brokers who understand your sector.
Control
You're in control. We present options and empower you to make the decisions that suit your business.
With Aserto, you get a broker who truly understands your needs. That's clarity, confidence, and control.
Get Your Construction Insurance Quote
Protect your construction business with specialized insurance for contractors and builders.
Request a Quote