Clerk of Works Insurance

Sharing your eye for detail
It’s your job to hold construction work to the highest standard. To use your eye for detail to make sure everything is done right.
Of course, by taking on that responsibility, you shoulder a lot of professional risk. Get things wrong as a clerk of works, and you could be liable for claims that easily move into the millions.
Or, you could pass that risk onto somebody else. Like us.
We design bespoke risk solutions tailored to meet your specific needs as a professional.
By designing a bespoke policy using our decades of combined experience in the world of construction insurance, we can make sure you get cover that financially safeguards you against every risk you face as a professional, without you overpaying for protection you don’t need.
Our specialist construction team has spent decades building great relationships with insurers in this space. Our wide market access means we can negotiate hard on your behalf to get you the best possible deal.
So, whether you’re looking for single project professional indemnity cover or a yearly term, get in touch today, and start demanding more from your policy.

What we do
Our professional indemnity solutions include a wide range of specific cover, including (but not limited to):
- Negligent act (error and omission)
- Intellectual property rights infringement (unintentional)
- Breach of confidentiality (unintentional)
- Defamation (unintentional)
- Fraud and dishonesty
- Loss of third-party documents and data
- Computer virus transmission
- Sub-contractor negligence
- Bodily injury
- Property damage
- Court attendance costs and other legal expenses
- Breach of health and safety
- Collateral warranties
Our goal, first and foremost, is to give you the peace of mind that comes from knowing your risk is taken care of. So, if you’re looking for a particular type of indemnity cover and you don’t see it here, don’t worry. We almost certainly do offer it.
All you need to do is get in touch, and our specialist team will suggest the best course of action to make sure you get the total coverage you need without paying over-inflated premiums.
Then, when your policy’s sorted, you can focus on what really matters: your work.

Who we work with
We’ve helped provide solutions for clients in a variety of different sectors within construction, including (but not limited to):
- Transportation (road, rail and air)
- Civil construction
- Mining
- Oil and gas
- Utilities and power (both traditional and ESG)
- Warehouses
- Tech firms
- Retailers
- Fellow brokers (wholesale)
So wherever you do your business, you can be sure we have the subject-matter expertise and understanding of the risk markets to get you a policy that delivers.
Claims made easier
Claims matter, which is why we don’t out-source them. We handle all our claims in-house.
Our claims team is a key part of our team. Like the rest of us, they’re specialists in construction claims. It’s all they deal with, all day every day.
They understand exactly how to present your claim to insurers to give you the best chance of success. They know the mistakes and pitfalls to avoid. And they’ll use all that hard-won experience on your behalf.
Just as importantly, they’ll be there to guide you right through the whole claims process, from start to finish. You’ll never feel like you have to make claims alone.
Complete professional indemnity services, under one roof
You don’t need us to tell you that professional indemnity within construction can be incredibly complex, with a lot of moving parts.
If you choose Howden to help take care of your policy, you won’t have to worry about being bounced around between different departments. Our specialist professional indemnity team works together under one roof.
It doesn’t matter whether you’re arranging your initial placement, coming up to your renewal or you’re making a claim. You’ll always deal with the same team, and you’ll always know exactly who to call.