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Construction

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

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 residential and commercial builders, building completion and finishing trades, electrical contractors, HVAC contactors as well as organisations with in house design and architectural teams along with those who appoint external consultants.

A proposition that truly responds to the pain-points faced by those in the construction industry.

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

Our cover is designed to meet the needs for a wide variety of organisations and contractors operating within the construction sector.

Residential and commercial builders

New build and refurbishment, alterations and extensions and repair and remedial services.

Building completion and finishing trades

Bricklayers, Carpenters, Flooring and interior surfacing, Interior fit-out contractors, Joiners , Painters and decorators, Shop and office fitters, Plasterers and dry lining contractors, Tilers.

Electrical contractors

Commercial electrical installations, Residential Electrical installations, Residential/ commercial lighting/LV or 3 phase (440v), Fire detection and alarm systems, Building control systems/building management systems, Electrical maintenance, inspection and testing, Installation, maintenance, inspection and testing, Residential Solar PV, Security systems including CCTV and access control systems, Smart buildings, Structured data cabling, Vehicle charging installation.

HVAC Contractors

Air conditioning and heating engineers, Air conditioning systems, Automated HVAC control systems, Facilities management contractors, Heating and ventilation systems, Refrigeration chillers, Residential and commercial plumbing.

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 activities, Town planning, Project co-ordination, Project management, Quantity surveying.

We understand the sector-specific risks faced by those in the industry. Using this experience, we’ve specifically designed our insurance solutions to protect against the unique risks that organisations operating within the construction sector face.


Markel Construction is a commercial combined product, which includes professional indemnity as part of the package and includes covers such as:

Employers Liability, Public/products Liability, Professional Indemnity, Contractor's All Risks, Property Damage, Damage to Portable Property, Business Interruption, Money, Transit, Legal Expenses Insurance, Directors & Officers and Entity Defence. With meaningful covers available such as Efficacy, Financial Loss, Professional Negligence.

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.

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

Markel Construction

Insurance that has been specifically designed to meet the needs of the construction sector.

Professional indemnity combined

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

Cyber

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

LEI that’s delivered by trusted legal experts. In addition to our advice services, our in-house law firm provides specialist expertise when the unexpected happens.

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Does your existing insurer provide market-leading solutions for UK SMEs?

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’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

Access 850+ documents, contracts, templates and videos to support you.

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.

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