Construction Liability Insurance and All Risks Construction Insurance

What is all risks construction insurance?

All risks construction insurance is specialist type construction liability insurance for builders, contractors and developers and covers a variety of risks, including public and product liability, employers’ liability, plant hire and joint names insurance if required. As a complex selection of products it is often best to speak to a specialist construction insurance broker. 

Construction liability insurance covers you for property damage, injury claims both by third parties and your employees or any other damage claims. The policy will cover legal fees, and compensation costs should a claim arise where you are at fault.

Additionally, you may choose to take out an all risk construction policy, covering your machinery, tools, and equipment on-site.

Subsequently, a specialist construction insurance broker can help you decide whether you need construction liability insurance, all risks cover, or a JCT (joint names cover).

Why do I need all risks construction insurance?

All risks insurance for construction will cover legal obligations such as employers’ liability and JCT cover where required. Furthermore, all risks construction insurance has a range of additional protections, including;

  • Accidental damage caused during the build/project
  • Machinery failure and breakdown causing business interruption
  • Directors’ and officers’ cover
  • Computer and office equipment

We realise that each business is different and has its unique requirements. Speaking to a specialist construction insurance broker will help you get the right covers for your firm.  

Is construction insurance the same as professional indemnity?

All risks construction insurance and professional indemnity are different as they protect you from different risks.

For instance, Construction all risks insurance will protect you from any damage to your customer, your property, a third-parties property, and injury to your employees on-site. In contrast, a professional indemnity policy protects you from allegations of negligence, errors, and sub-contractor faults.

Therefore, for construction type businesses, it is often a good idea to have both covers in place. As a leading construction insurance broker, we will be able to guide you through your options.

Why choose Riviera for your all risks construction insurance?

Our experienced team searches and selects a product from the hundreds available that best suits your needs.

Looking for quality cover for your business can be time-consuming, so why not let us do the hard work for you? We’ll not only save you time by searching many of the top UK insurance companies for you, but we’ll also endeavour to save you money.

Even though we offer you cheaper insurance cover, we fully understand that quality cover is as important as a low price. So we only deal with the most trusted UK insurance companies who can provide you with the standard of insurance cover you deserve for your construction business.

The team at Riviera Insurance can offer more than just all risks cover. So, whether you are searching for home insurance, car insurance, commercial, public or employer’s liability covers, van, pet, travel or any other obscure insurance, we can find you a suitable policy. 

Request an all risks construction insurance quote by filling in our handy contact form below

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