Construction & Real Estate - Specialist insurance solutions for construction and erection projects
Risk management built around your projects and investments
We understand the complexities of construction and real estate development, designing risk management solutions that protect your investment, keep projects on schedule, and safeguard financial performance throughout the project lifecycle.
Our approach
require strategic risk management. We analyse the project structure, identify the responsibilities of every stakeholder, review contractual obligations, and assess the critical phases of execution. Based on this understanding, we design bespoke insurance programmes tailored to the specific characteristics of each project and to the role of every participant, whether developer, principal contractor, or subcontractor. Our objective is to protect your investment while supporting smooth project delivery with minimal disruption.
Solutions designed for the construction sector
Our insurance programmes are structured around the realities of construction and real estate projects and may include:
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Contractors' All Risks (CAR) and Erection All Risks (EAR) insurance tailored to the scope and complexity of each project.
- Surety bond solutions, including tender bonds, performance bonds, maintenance bonds, and other construction-related guarantees.
- Professional indemnity and contractual liability cover adapted to the responsibilities of each project participant.
- Protection against risks that may impact project timelines, budgets, and overall investment performance.
Every solution is carefully designed according to the project's value, complexity, contractual structure, and actual risk exposure.
Example of our approach
For a real estate developer, we identified that the primary exposure was not limited to physical damage on site, but the financial consequences of project delays affecting cash flow and contractual commitments. We structured an insurance programme combining comprehensive CAR cover with protection tailored to each stage of the development, including Delay in Start-Up (DSU) insurance covering financial losses resulting from delayed project completion following insured physical damage during construction. The outcome was greater control over project risks and significantly reduced financial exposure in the event of a major incident.
Our process
- Analyse the project's structure, contractual framework, and stakeholder responsibilities.
- Identify critical risks throughout every phase of construction.
- Design bespoke insurance and risk management solutions for both the construction and post-completion phases.
- Continuously adapt the programme as the project progresses and new risks emerge.
Understanding your industry and its real challenges
Success in construction and real estate depends on the precise coordination of financing, execution, contractors, suppliers, regulatory requirements, and demanding delivery schedules. Profitability is directly influenced by delays, unforeseen costs, contractual performance, and the ability to manage risk throughout every stage of the project.
The challenges are tangible and constant: site disruptions, supply chain delays, adverse external events, material damage, construction defects, contractual liabilities, and regulatory obligations. Each of these can affect cash flow, project delivery, contractual relationships, and ultimately the return on investment.
For developers and main contractors alike, every project represents a significant financial commitment, making effective risk management essential to business continuity and sustainable growth.
Let's discuss your project
If you would like an objective assessment of your project's risk profile, we begin with its structure, contractual obligations, and commercial objectives, not with insurance products.
In construction, the real value lies not in the insurance policy itself, but in how intelligently it is designed around the investment it protects.