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Comprehensive insurance cover designed for the unique challenges faced by construction contractors.

The construction sector has a unique set of insurance risks. Choosing the right type of cover is important to support a well-managed working environment whilst also satisfying regulatory requirements and contract conditions. Our polices include cover for organisations with in-house design and architectural teams along with those who appoint external consultants. We also offer tailored insurance for electrical and other specialist building services contractors through ECIC.

Dedicated organisations need a dedicated insurance solution to match

Markel UK offers a wide variety of coverages for construction contractors.

We offer cover for organisations operating within the following sectors:

Electrical engineering, Feasibility studies/expert witness work, Heating and ventilation engineering, Interior design, Landscape/garden architecture, Building services (electrical, plumbing, HVAC), Mechanical engineering, Planning supervisory/CDM activitiesTown planningProject co-ordination, Project managementQuantity surveying


ECIC, offer specialist, tailored solutions for:

Electrical contractorsElectronic security contractorsHVAC contractorsLift engineersNFRC RoofersGeneral contractors

Professional indemnity policies have traditionally been arranged on a stand-alone basis, but we provide a menu offering that allows other types of business protection to be arranged, often under the same policy – resulting in a robust insurance solution designed to minimise gaps in cover.

Our menu of professional indemnity covers includes:

Professional liability, Public/products Liability, Entity defence, Employers Liability, Employment law protection, Executive liability, Property Damage, Business interruption, Money and personal assault, Damage to portable property, Fidelity, Cyber and data risks, PR Crisis Management

ECIC, offer specialist covers including:

Employers Liability, Public/products liability, efficacy, professional indemnity, Contractors - all risks, Property – all risks, Business interruption, Money, Goods in transit, Personal accident, Legal expenses

The following additional extensions are available:
Professional negligence, financial loss, customers' goods removed, defective products supplied

Key products and services sold on a standalone basis to this industry:

Professional indemnity combined

Cover designed for firms operating in specialist sectors offering high-value or complex advice.

Specialist electrical contractors

Insurance that has been specifically designed for electrical and other specialist building services contractors.


Cyber risks cover designed to protect against both liabilities and the policyholder’s own losses, including legal, IT security and regulatory costs.

Legal expenses insurance

Legal expenses insurance delivered by trusted legal experts.

Additional services*

Clients also have access to additional services to help policyholders navigate everyday challenges. Depending on your coverage, you can opt in or add services you need for an additional cost.
Business and legal helpline

Markel UK’s in-house team of lawyers offers advice on everyday legal and employment matters such as GDPR and disclosure, contractual queries and employment disciplinary.

Business Hub

Previously Law Hub, is an online hub containing 850+ DIY contracts, policies, forms, and letter templates, covering every area of business, including health and safety, trading and contracts, and cyber and data.

Collateral warranty review

Policyholders can avoid legal bills with our fast and efficient collateral warranty review service.

PR crisis management

Expert guidance and advice on dealing with the media where a claim has the potential to result in adverse press attention. We’ll evaluate the situation and provide the necessary guidance and personal support.

*Please refer to your policy for exact services included. Learn more.

Featured Service

Collateral warranty review

Construction policyholders can avoid legal bills with our fast and efficient collateral warranty review service available for architects and engineers, design and build, and surveyors policyholders.

Case study

Working with policyholder to avert allegations

The insured was instructed to project manage and provide quantity surveyor services for a house redevelopment.

The other parties involved were the employer, who wanted their house altered, and the builder, who was responsible for the actual build work. The employer falls out with the builder over the quality of the building work and refuses to pay. Builder walks off site. Both parties push the insured (and in the case of the employer threatens the insured) to resolve the matter. Insured expects one or both of the parties to blame the insured's quantity survey work.

Markel worked with insured to deflect criticism and to try and get parties around the table to hammer out the issues. Allegations against our insured were averted and each party has walked away from the matter.

Insights and resources

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