Insurance for the Construction sector

Howden's bespoke policies work in the real world. They’re handcrafted from years of claims experience, always with clients’ best interests at heart. That's not something you get with off-the-peg policies.

We have specially worded policies for: 

• Architecture and Design
• Contract administration
• Project management and coordination
• CDM/Principal designer
• Building control
• Civil and structural engineering
• Construction management
• Quantity surveying
• Town and country planning
 

Construction PI Policy highlights 

Full civil liability ‘all risk’ cover

If a claim isn’t specifically excluded, it’s included. Policies are designed to catch-all. 

Enhanced protection above regulatory requirements

Insurance is about defending your business, not box-ticking. 

Bespoke wordings, no tripwires to fall foul of

Standard insurance wordings impose very strict conditions and warranties – ours are much more user-friendly, every clause is set up to help you.  

Service highlights

Your claim will be handled by a sector specialist

Many of our competitors outsource their claims function – we never will. 

Here are some examples of claims support we offer clients, every day: 

1. Guidance on the notifying process and helping prepare the notification to insurers
2. Assisting draft responses to claimants
3. Helping you choose a lawyer
4. Overseeing legal cost management
5. Ensure that insurers' reserving policies benefit you
6. Attending mediations to defend our clients’ interests
7. Challenge insurers’ coverage position statements (when needed, our skill in policy design makes this increasingly rare)
8. Expediting your payouts

Free risk management updates

We pride ourselves on offering ongoing risk advice to our clients

• Risk management workshops 
• Seminars
• Roundtable forums 
• Bite-size bulletins

When you’re dependant on business cycles and the economic environment, you need the latest advice on risk trends