Civil Construction

Why civil contractors need a specialist approach

Civil construction projects differ from building construction in several critical ways that affect insurance structuring. Project durations are longer, often spanning multiple policy periods. The works frequently involve existing infrastructure — roads, bridges, utilities — creating third-party property damage exposures that building projects don't face. Environmental exposures arise from earthworks, waterway crossings and contaminated land. And performance security requirements on government infrastructure contracts are non-negotiable.

What we cover

Contract works insurance — project-specific and annual policies covering earthworks, structures, temporary works, existing infrastructure and surrounding property. We ensure your cover addresses the specific risks of civil works including subsidence, vibration, dewatering and waterway management.

Public and products liability — covering the extensive third-party exposures inherent in civil works, including road user liability during construction, damage to existing utilities, environmental contamination and completed operations.

Plant and equipment — covering heavy earthmoving equipment, cranes, piling rigs and specialist civil construction machinery across multiple project sites.

Professional indemnity — required where civil contractors provide design input, temporary works design, value engineering or construction methodology advice.

Business interruption — structured for the extended project durations typical of civil works, including delay in start-up and advance consequential loss cover.

Surety bonds for civil contractors

Government infrastructure contracts universally require performance security. We structure surety bond facilities covering performance bonds, maintenance bonds, retention bonds and advance payment bonds — enabling civil contractors to tender for larger projects without consuming bank facility limits.

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