HSB Construction Insurance
© Getty Images

HSB Annual Construction Insurance

E-trade product
Access via HSB Fast Track or Acturis

Focused on minimising the disruption to a construction project

We can provide comprehensive cover for annual construction, buildings and civil engineering contract works; and, optionally, 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

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

Claims Examples

A bulldozer caught fire whilst static, causing extensive damage. Due to the extent of the damage, the bulldozer had to be replaced.

Claim: £48,001

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.

Claim: £11,500

A hired-in three-ton dumper was accidentally driven into a ditch, causing water to enter the engine and causing irreparable damage.

Claim: £19,000

Product Brochures

Trading made simple

Our construction e-trade product has been developed to be traded entirely online; making it quick and easy to quote and bind cover, process mid-term adjustments and obtain renewal terms. Access via HSB Fast Track; our online broker trading platform, or Acturis.

HSB Fast Track

Product Spotlight: HSB Machinery Inherent Defects Insurance

Available for periods of up to 12 years, our product 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.

HSB: UK construction trends

John Nicholls, Construction Product Lead - HSB
John Nicholls
Construction Product Lead - HSB
© Getty Images
Presentation (live recording)
Construction trends: The top five influences that are impacting the construction market
Short summary

Why choose HSB?

  • Leading specialist provider of engineering and technology insurance and inspection services in the UK and Ireland
  • Winner of the 2021 British Insurance Awards 'Specialist Insurance Company of the Year' award
  • Winner of the Insurance Times Awards 2021 'Excellence in e-Trading - Insurer' Bronze Award
  • 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

Contact us

For more information, speak to your insurance broker, your usual HSB contact or local HSB office, or contact our dedicated E-Trade Team.

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