HSB Construction Insurance | Annual Construction Projects

HSB Annual Construction Insurance

E-Trade Product

Brokers/Agents: Trade via HSB Fast Track or Acturis

Focused on minimising the disruption to commercial and residential construction projects, as a leading specialist provider of engineering and technology insurance 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.

Key features

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

Modern buildings — 2025 construction trends: UK & Ireland - Download our industry reports

Explore key trends that are reshaping the future of their respective construction markets

Why buy construction insurance from HSB?

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

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.

Rated A++ (Superior) by
A.M. Best Company

Financially strong and stable.

Member of the Institute of
Customer Service

Demonstrating our commitment to continually improving customer service performance and professionalism.

HSB is committed to providing a superior customer experience through our specialist claims service

HSB Claims Team

HSB Construction Insurance in action

Select an example loss:

Fire damage to a bulldozer

£48,001

Claim

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

Theft of a dumper

£11,500

Claim

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.

Accidental damage to a hired-in dumper

£19,000

Claim

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

Access our product via HSB Fast Track or Acturis

Quote

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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

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Insights

HSB Knowledge Squad Podcast

2025 UK construction trends

HSB's John Nicholls and John Butterworth explore key trends that are reshaping the future of the UK construction market, and how those trends are impacting construction insurance risks.

Listen now

Industry reports

2025 construction trends: UK & Ireland

Explore key trends that are reshaping the future of the UK and Ireland's construction markets, and how those trends are impacting construction insurance risks.

UK report Ireland report

HSB Knowledge Squad Podcast

Construction theft: contractors' small tools and equipment

HSB's John Nicholls, Construction Product Leader, and Jamie Talbot, Underwriting Manager, explore the rising impact of small tools and equipment theft in the construction industry, how they affect construction customers’ bottom line and, what preventative measures and industry best practices they can take or follow to mitigate the risk of theft.

Listen now

We're proud to support:

Agriculture and Construction Equipment (ACE), and The National Construction and Agricultural Theft Team (NCATT); specialist police units targeting equipment theft from agricultural and construction sites.

ACE NCATT