Civil Contractors, Developers & Trades
Specialist insurance advice aligned with your projects, contracts and delivery risk, so you’re protected when it matters most.
Before Your Next Project, Are You Certain Your Cover Will Hold Up?
Most construction businesses don’t realise there are gaps in their insurance until a claim is made.
We regularly review policies where:
- Contract requirements aren’t properly aligned with cover
- Liability and contract work policies don’t connect correctly
- Key exclusions only become visible at claim time
- Responsibility between the project parties isn’t clearly reflected in the insurance
The result? Delays, disputes, and unexpected costs when your business is already under pressure.
Insurance That Matches How Your Projects Are Delivered
We support a range of construction professionals, including:
- Trades businesses and subcontractors
- Civil contractors and infrastructure providers
- Property developers and project owners
Each has different risks and requires a different insurance structure.
This Isn’t General Insurance. It’s Construction-Specific Advice.
Be Covered Insurance Brokers specialises in construction and commercial insurance.
We understand:
- How construction contracts are structured
- Where risk sits across different parties
- What insurers assess when claims are made
We don’t just place policies; we structure cover around how your business actually operates.
Insurance Solutions Tailored to Your Role in Construction
For Trades & Subcontractors
- Public & products liability aligned to contractual responsibilities
- Tools, equipment and mobile plant cover
- Motor insurance for fleets of registered and unregistered items
- Contract works cover where project responsibility applies
For Civil Contractors
- Contract works insurance aligned with project delivery responsibilities
- Plant, equipment and heavy motor cover
- Public & products liability across multiple worksites
- Professional indemnity where contractual design responsibility or vicarious liability exposure exists
For Developers
- Contract works insurance from site preparation through completion
- Liability cover across project stakeholders
- Existing structures and vacant site exposures
- Management liability and professional indemnity where required
Key Construction Insurance Covers
Contract Works Insurance
Protects your project during construction
Public Liability Insurance
Covers costs associated with third-party injury or property damage
Plant, Tools & Equipment Insurance
Protects machinery and portable tools against damage and theft
How We Support Your Business
We work with you to structure insurance that aligns with your projects and requirements.
- Understand your business and risks
- Align cover with contracts and delivery responsibilities
- Structure appropriate insurance solutions
- Provide ongoing support, including claims assistance
We structure insurance programs so they respond when contracts, projects and claims intersect.
Why Work With Be Covered Insurance Brokers
- Insurance structured for trades, civil contractors and developers
- Insurance aligned with construction contracts and delivery risk
- Specialist construction insurance experience
- Clear and practical advice
- Tailored insurance solutions
- Access to leading and specialist insurers
Questions? We've Got Answers
What is the best insurance option for trades businesses?
Most trades businesses require public liability insurance as a minimum. Depending on the type of work, contract works insurance and tools and equipment cover may also be important.
Should subcontractors rely on the head contractor’s insurance?
Not always. Head contractor policies may limit subcontractor cover or include large excesses. Separate cover helps protect your business if something goes wrong.
Should construction businesses review their entire insurance program instead of one policy?
Yes. Individual policies can leave gaps between contract works, liability and professional indemnity. A structured insurance program ensures your cover works together across projects.
Do trades or civil contractors need contract works insurance if the head contractor already has cover?
Sometimes. Head contractor policies don’t always fully cover subcontractors, and may include large excesses. The right cover depends on your contract responsibilities and role on the project.
Do property developers need contract works insurance?
Often yes. Developers are typically responsible for insuring the full project from site preparation through completion, which also gives them control over the policy to ensure adequate cover is in place to protect both the development and their interests.
Do civil contractors need contract works insurance?
Often required depending on your contract responsibilities and project delivery model. We help determine whether contract works insurance is appropriate for your role.
What insurance do property developers need?
Developers typically require contract works, liability and sometimes management liability or professional indemnity depending on project structure.
Can you review my current insurance?
Yes, we can review your current cover and identify any gaps.
Get the Right Cover in Place
We’ll help you structure the right insurance for your business and projects.