Construction and Engineering Business Insurance

Construction Central Insurance currently look after over 400 building contractors in Scotland.

This allows us to cross-benchmark premium rates and compare numerous policy wordings - to ensure our clients receive the most suitable cover at the most competitive premium.

Our experience helps us question the policy wordings. Where possible, we reduce the onerous conditions and warranties clients are exposed to. For example:

Remove work at height/depth limits
Remove heat exclusions/conditions/warranties
Bona Fide subcontractors hold only £2m (not usual £5m) PL cover
Cover includes theft in open yards
Generous hired in plant limit

We have risk and insurance solutions for all types of projects including: general building trades, ground works, soil stabilisation, plant hire, asbestos removal, demolition, road surfacing, fabrication, steel erection, dry civils, wet civils, quarrying, scaffolding, and many more.

In-house construction specialists

Due to our extensive experience in this sector, we have set up a team of construction experts who are able to advise our clients on a variety of issues. The team comprises of client service staff, brokers, claims handlers, and risk managers - all with the competent knowledge and experience you would expect from Scotland's largest independent insurance broker.

Regular issues we handle are:

Subcontractor checks
Bond placements
Collateral warranty guidance
JCT (21.2.1) insurance conditions
Environmental protection and containment

Client Testimonials

UBC Group

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We appointed Central Insurance Services in 2010 to look after our insurance programme and we have been delighted with the service standards and results achieve already. Their market leverage and in-depth knowledge of the Scottish Construction industry helped product significant cost savings at renewal.

Central also provide us with a very proactive claims service – recently re-opening a previously declined claim and managing to negotiate full settlement. In addition, it was comforting that, following major storm damage to one of our sites recently, Central had representation at the scene within 12 hours to manage and mitigate the insurance claim accordingly.

I would have no hesitation in recommending Central Insurance Services to other businesses.

Steve Wells, Financial Director