HSB Construction Insurance | Annual Construction Projects
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HSB Annual Construction Insurance

E-Trade Product

Brokers/Agents: Trade via HSB Fast Track or Acturis

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    Process mid-term adjustments

    Obtain renewal terms

    Get an online quote within just a few clicks
    Instant access to policy documentation
    Manage your customers' MTAs online
    Supporting documentation immediately accessible

    Focused on minimising the disruption to commercial/residential construction projects, we can provide comprehensive, annually-renewable cover for construction, buildings and civil engineering contract works.

    Optionally, we can also provide cover for owned and hired-in contractors’ plant as well as employees' tools and personal effects.


    • Materials from the commencement of loading for despatch to site (including transit and incidental storage)
    • Contract works during the construction period (including automatic continuation of cover for ongoing contracts that increase in contract price; up to 125% of the sum insured)
    • Maintenance and defective design
    • Free issue materials where these are included in the declared values
    © Getty Images/Michael H

    HSB supports Agriculture and Construction Equipment (ACE); the specialist police unit targeting equipment theft from construction sites and farms.

    > Learn More

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    Why buy HSB Construction Insurance?

    Our underwriters and risk engineers have extensive experience in providing construction insurance and are recognised as experts in this field. Drawing on our vast expertise in the construction sector, we are able to provide insurance products to meet the insurable risks of a specific project:
    • Policy wordings specifically designed with contractors, property developers and construction plant owners in mind
    • Extensive underwriting expertise of construction projects
    • Specialist engineering knowledge of plant and machinery
    • Cover available across the UK and Ireland
    • Access to experienced in-house construction loss control risk engineers
    • An established, responsive E-Trade Team for underwriting referrals, general e-trade support and enquiries
    • A dedicated, customer-focused in-house claims team with specialist knowledge of the construction industry
    HSB is committed to providing a superior customer experience through our specialist claims service
    HSB Claims Team

    Claims Examples

    HSB Construction Insurance in action

    A bulldozer caught fire whilst static, causing extensive damage. Due to the extent of the damage, the bulldozer had to be replaced.
    A hired-in dumper was stolen from a secure area of a construction site. The incident was reported to the Police and a crime reference number was issued.
    A hired-in three-ton dumper was accidentally driven into a ditch, causing water to enter the engine and causing irreparable damage.

    Access via HSB Fast Track or Acturis

    New HSB Fast Track user? Registration is quick and easy.

    Product Documentation

    Product Spotlight: HSB Machinery Inherent Defects Insurance

    Available for periods of up to 12 years, HSB Machinery Inherent Defects Insurance provides comprehensive cover for  the mechanical and electrical services installed in new buildings undergoing construction, 'shell and core' building refurbishments, and completed buildings less than two years old.

    Why choose HSB?

    • Leading specialist provider of engineering and technology insurance and inspection services in the UK and Ireland
    • UK-based arm of HSB Group, the equipment breakdown insurance and inspection market leader since 1866
    • Part of Munich Re, a world leader in risk solutions, consistent risk management and financial stability
    • Financially strong and stable – rated A++ (Superior) by A.M. Best Company
    • A member of the Institute of Customer Service, demonstrating our commitment to continually improving customer service performance and professionalism

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