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  • House Builders: Developers and residential biased contractors- new build and refurbishment
  • Commercial Builders: New build, maintenance or refurbishment of all types of commercial buildings or general builders with mixed activities

Key Cover

Standard Cover
  • Market leading Employers’ Liability - Covering damages and the legal costs when employees suffer injury or disease because of their work. Indemnity limits up to £25 millions available.
  • Public and products liability - Flexible indemnity limits. Corporate Manslaughter extension up to £5 million, environmental statutory clean-up costs. No standard height or depth restrictions.
  • Contractors all risks - Contract works limits and contract description tailored according to requirements. Cover for owned and hired in contractors plant anywhere in the UK and employees’ personal tools and on site. Includes £250,000 for works stored anywhere in the UK (important when space on site is limited). This includes plant recovery costs.
  • Speculative building extension - Covers buildings for three month after completion of work on site or until sold. We understand that sometimes apartments and houses are more difficult to sell while as site is still in the early stages. In addition, show homes are covered specification build to policy limit and contents up to £25,000.
Enhanced 360o Cover

Zurich's cover offers ultimate flexibility for your customers with eight additional options which can be added to our standard cover.

  1. Part product protection
  2. Products cover written on 'any one occurrence' basis rather than an aggregate limit
  3. Low claims renewal bonus for EL/PL & CAR
  4. Flexible Excess
  5. Hold covered extension for JCT (Joint Contract Tribunal) non-negligent insurance
  6. Mutliple insureds and non-vitation extension
  7. Additional costs of construction including unbuilt portions of the works
  8. Financial Loss (tort only)



    Builders Sales aid

    pdf icon  Builders Sales aid

    Policy Documentation

    Zurich 360o Contractor

    pdf icon  Policy


    Major Customer Construction

    pdf icon  Policy


    Contract Works Construction

    pdf icon  Policy

    pdf icon  Policy Summary

    Contracts Work Machinery

    pdf icon  Policy

    pdf icon  Policy Summary

    Contractors Plant

    pdf icon  Policy


    Contractors Joint Indemnity

    pdf icon  Policy


    Contact Us

    To start building bespoke cover today, contact us.

    » Contact Zurich Construction

    Builders Interactive Guide

    For more information about our cover, emerging risks and case studies

    pdf icon  Download the interactive guide

    To start building bespoke cover today

    » Contact us

    Insider for brokers

    Simple, sharable insurance expertise to give you the edge. » Find out more

    Our Claims Service

    To report construction claims please call our dedicated Construction claims handlers on
    0800 302 9055

    » Our claims service and expertise