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Construction

As a specialist division of Zurich with over 60 underwriters, we’re one of the UK’s leading insurer for the construction industry. We have the experience and the expertise to understand the complex insurance requirements of construction companies.

However, in order to offer brokers and customers service propositions that are aligned to their needs, our business is segmented into two distinct market offerings: SME Construction and Corporate Construction.

  • SME customers (with a turnover between £1 million and £5 million) will benefit from an affordable swift response from underwriters.
  • Corporate customers (with a turnover in excess of £5m) will benefit from local expertise, focussing on personalised service, flexible underwriting and bespoke cover solutions.


SME Construction »
Corporate Construction »
Specialist Underwriting »
Claims »
Frequently Asked Questions »
Regional Contacts »
Factsheets »
Other Construction services »

Related products

Related Products

Liability products

We offer a Bespoke range of products. Please click on the following links for products that you may be interested in:

Employers' Liability »

Public and Products Liability »

Excess Public and Products Liability »

 

For more details please visit Liability products »

Excess Public & Products Liability

A top up Public and Products Liability product that's suitable for most sizes of company.  


Excess Public and Products Liability Policy Summary »
Excess Public and Products Liability Policy »

Make a new claim »

    For more details please visit Excess Public & Products Liability »

    Contractors' Joint Indemnity

    "All Risks" protection for materials usually referred to as "contract works". Cover includes owned and hired-in contractors' plant and employees' personal tools and effects.

    • Indemnity limits up to £25 million available.
    • Corporate Manslaughter extension up to £5 million
      aggregate limit.
    • Policy without conditions.
    • No standard height or depth restrictions.  

    Contractors Joint Indemnity Policy Summary »

    Contractors Joint Indemnity Policy »

    Make a new Claim »

    For more details please visit Contractors' Joint Indemnity »

    Contract Works (Construction)

    Cover for 'All Risks' protection for materials usually referred to as "contract works" and includes owned and hired-in contractors' plant and employees' personal tools and effects. 'All Risks’ cover for contract works on site up to handover and 14 days thereafter where required by contract.

    • Transit to or from the contract site (other than by sea/air).
    • Up to 12 months restricted cover following handover during the maintenance or defects liability period where required by contract.
    • ‘Free issue materials’ for which the insured is contractually responsible.

    Contract Work Construction Policy »

    Contract Works Construction Policy Summary »

    Make a new claim »

    For more details please visit Contract Works (Construction) »

    Contract Works (Machinery)

    This policy offers ‘All Risks’ protection for plant and machinery installation usually referred to as ‘contract works’. Cover can include owned and hired-in contractors’ plant and employees’ personal tools and effects.

    • ‘All Risks’ cover for contract works on-site up to handover and 14 days thereafter where required by contract.
    • Transit to or from the contract site (other than by sea/air).
    • Up to 12 months restricted cover following handover during the maintenance or defects liability period where required by contract.
    • ‘Free issue materials’ for which the insured is contractually responsible.


    Contract Works Machinery Policy Summary »

    Contract Works Machinery Policy »

    Make a new claim »

    For more details please visit Contract Works (Machinery) »

    Contractors Plant

    Contractors’ Plant covers the insured’s own plant and equipment on an ‘All Risks’ basis. It can also cover their legal liability under terms of their hiring agreement to pay for loss or damage caused to hired-in plant and the cost of continuing hire charges.

    • Owned plant is covered throughout the UK including transit (other than by sea or air).
    • Hired-in plant cover on a legal liability basis.
    • Premium calculated on total market value of owned plant and the estimated annual hire charges to hired-in plant.
    • Continuing hire charges following loss or damage.
    • Completion of a proposal form is not required.

    Contractors Plant Policy »
    Contractors Plant Policy Summary »

    Make a new claim »

    For more details please visit Contractors Plant »

    Motor Fleet

    Our standard Motor Fleet policy provides cover for fleets of 15 vehicles or more, for all vehicle groupings from cars to lorries. The cover incorporates courtesy cars when being repaired by an Approved Repairer following an accident, a 24-hour recovery service, repairs through an authorised network and Uninsured Loss Recovery as the result of a non-fault claim. With the policy cover and added value services provided, we aim to keep the policyholder on the road. 

    • Free Uninsured Loss Recovery service
    • No increased excess for young or novice drivers
    • No minimum premiums
    • Fleet discount available based on the overall book of vehicles
    • Market-leading limit for Third Party Property Damage of £50 million (in respect of cars only).


    Fleet Policy Summary »

    Fleet Policy »
    Fleet Handbook »

    Corporate Fleet Insurance - Broker Brochure »
    Corporate Fleet Insurance - Customer Product Leaflet »

    Terrorism cover »

    Added Value Services »

    Make a new claim »

    For more details please visit Motor Fleet »

    Professional Indemnity

    Our policy is suitable for any UK domiciled company with turnover of up to £300 million, except for financial institutions and companies who have the majority of their employees based overseas.

    The majority of policy wordings are written as civil liability cover including:

    • Limits of indemnity of up to £10 million
    • Libel and slander
    • Loss of documents
    • Breach of confidentiality
    • Infringement of intellectual property rights
    • Replacing or restoring lost documents
    • Compensation for court attendance
    • Innocent non-disclosure.

    To learn more about each of the Zurich Professional Indemnity products, please select the relevant links below:

    For more details please visit Professional Indemnity »

    Professional & Financial Lines products

    We offer a broad range of products including Professional Indemnity, Directors' & Officers' Liability, Crime and Pension Trustee Liability. Please click on the following links for products that you may be interested in:

    Professional Indemnity »

    PI - Accountants »

    PI - Insurance brokers »

    PI - Architects & Engineers (Civil) »

    PI - Architects & Engineers (Negligence) »

    PI - Advertising, Marketing & PR Consultants »

    PI - Design & Construction »

    PI - IT Consultants »

    PI - Miscellaneous Professions »

    PI - Surveyors »

    PI - Technology & Communications »

    PI - Solicitors »

    Crime »

    Directors' & Officers' Liability »

    Directors' & Officers' Liability for Residents Association »

    Excess Directors' & Officers' Liability »

    Pension Trustees' Liability »

    Money »

    For more details please visit Professional & Financial Lines products »

    Corporate Combined

    Our policy conveniently combines your businesses main insurance needs (material damage, business interruption, employers' and products liability) in one policy. Plus we offer extra cover for book debts, money and goods in transit.

    Combined and Combined All Risks Policy Summary »
    Combined Policy »
    Combined All Risks Policy »

    Endorsements, specifications and terrorism wordings »

    Make a new claim » 

    For more details please visit Corporate Combined »

    SME Construction Combined

    This policy offers cover for the main insurance needs of a construction business. A combination of Material Damage, Business Interruption, Book Debts, Employers' Liability, Public and Products Liability, Money, Goods in Transit and Specified Items 'All Risks' and Contractors' 'All Risks'.

    • Core cover.
    • Optional extras.
    • Contract Works/Contractors' 'All Risks'.

    Construction Combined Policy Summary »

    Construction Combined Policy »

    Make a new Claim »

    For more details please visit SME Construction Combined »

    Contact us

    Contact us

    Zurich Elite and Optimise Brokers can now use our personalised contact finder as part of our trial to make Zurich easier to contact. more »

    Insight

    Each month we will bring you a newsletter that gives you the latest news from Construction. more »

    Risk Engineering

    Managing complex risks in dynamic construction environments presents unique challenges for customers. Working with them, Zurich Risk Engineering can assist in the identification and control of specific risks. more »

    Commercial Lines claims

    To report all Commercial Lines claims, please call
    0845 300 200 55 or click here to find out more about our claims services.

    You may also be interested in the following products:

    P&FL »
    Engineering »
    PA&BT »
    Motor »

     
     
     
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    Zurich Insurance plc, a public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

    Authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Services Authority. Details about the extent of our regulation by the Financial Services Authority are available from us on request. FSA registration number: 203093. These details can be checked on the FSA's register by visiting their website www.fsa.gov.uk/register or by contacting them on 0845 606 1234.