The UK construction industry is a high-stakes environment where project success depends on managing complex physical and financial risks. At Clopton Capital, we provide specialized construction insurance designed to protect developers, contractors, and subcontractors from the ground up. From single-dwelling builds to large-scale commercial developments, we align your coverage with JCT/NEC contract requirements and lender mandates.
Insurance products are offered through Clopton Insurance Services, LLC.
Construction requires a multi-layered approach to insurance. We structure policies to cover every phase of the build cycle:
Contract Works / Builders Risk: This is the core of project protection. It covers the permanent and temporary works (the building under construction), as well as on-site materials, against fire, flood, vandalism, and storm damage.
Inland Marine (Plant & Equipment): Protects your tools and machinery both on-site and while in transit. Whether you own your plant or are responsible for “Hired-in Plant,” this coverage is essential for operational continuity.
Commercial Auto & Truck: Coverage for your fleet of construction vehicles, from transit vans to heavy plant lorries, insured against accidents, theft, and third-party damage.
Public Liability: Protects against third-party claims for bodily injury or property damage occurring on or near the site. In the UK, we routinely secure limits of £5 million to £10 million to satisfy local authority and commercial contract requirements.
Employers’ Liability: A legal requirement for any construction firm with staff, labourers, or apprentices.
Professional Indemnity: Critical for design-build contractors. It covers financial losses arising from errors in design, engineering, or professional advice.
Pollution Liability: Protects against environmental incidents, such as chemical spills or soil contamination, which are high-risk factors on modern worksites.
Cyber Insurance: As construction moves to digital BIM (Building Information Modelling) and cloud-based project management, protecting against data breaches and ransomware is vital.
Surety Bonds / Contractor Bonds: We facilitate Performance, Bid, and Payment bonds to guarantee that projects are completed according to contract terms.
Contract Alignment: We review your construction contracts (JCT, NEC, etc.) to ensure your insurance limits and “Joint Names” provisions are fully compliant.
Lender Certification: We coordinate with your financing partners to deliver the specific certificates of insurance needed to release draws and fund the project.
Market Competition: We market your project to A-rated UK carriers, comparing premiums based on your experience, project size, and safety history.
Risk Management: We provide insight into how site security, fire protection, and health & safety protocols can lower your aggregate premiums.
To provide a side-by-side comparison from our carrier panel, please prepare:
Project Details: Site address, estimated construction value, and project duration.
Contractor Profile: Years in business, previous project experience, and current business credit history.
Protection Measures: Site security details (CCTV, fencing, out-of-hours monitoring).
Claims Experience: A 3–5 year loss run report detailing any prior site incidents.
Build with confidence knowing your assets, workers, and liability are fully protected.
Yes. Under Inland Marine or “Goods in Transit” coverage, your supplies and machinery are protected while moving between the depot and the worksite.
Absolutely. If you are extending or renovating an existing structure, you need a policy that covers both the “existing structure” and the “new works” to avoid gaps between your standard property insurance and the construction risks.
Yes. For large projects, we can structure a Wrap-Up policy that covers the owner, general contractor, and all subcontractors under one umbrella for better cost control and fewer coverage gaps.
Insurance protects against accidental loss or damage; a Performance Bond is a financial guarantee that the contractor will fulfill the contractual obligations of the project.
