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Construction All Risks Cover


Construction insurance intelligently tailored for the industry’s changing challenges

We know construction firms and owners face increasingly complex and evolving risks, thanks to constant expansion and technological innovation. We provide specialised coverage, design robust risk management programmes, and help you develop your safety culture – whether you’re an individual contractor or a principal business owner. 


We provide trusted construction insurance expertise across many sectors and project types


  • Commercial and industrial building construction 
  • Residential construction
  • Civil infrastructure

Project types:

  • Commercial and light industrial buildings including: 
    • Offices, hotels, schools, factories, retail etc.
  • Residential housing including:
    • Houses/apartment blocks, student accommodation etc.
  • Major infrastructure projects including:
    • Bridges, tunnels, roads, rail, light rail, pipelines etc.


We also provide construction expertise in Erection All Risks specialising in:

  • Power
  • Renewable and alternative energy including waste to energy, biomass and battery storage
  • Oil and gas and chemical / petrochemical
  • Mineral processing
  • Light and heavy industries including pharmaceutical, steel, aluminium, cement etc.


In addition we offer expertise in other engineering products including operational power, contractor plant and equipment and electronic equipment / hardware computers.

We offer the construction insurance products you need – and the service you deserve. 


Find your ideal construction business insurance 

Construction / Contractors All Risks – Builders Risk 

This cover benefits everyone – from contractors to property developers to principal owner-controlled programmes. Core cover protects you for Physical Loss and Physical Damage for materials and works.

Construction All Risks – Civil Engineering Completed Risks

The ideal plan for contractors and principal owners  for major infrastructure projects including road, rail, pipelines, tunnels and bridges.

Construction All Risks - Erection All Risks (EAR)

Our Erection All Risks project policy is designed to cover the erection, construction and installation of industrial equipment and covers you against all risks of physical loss and physical damage throughout the period of construction.

Contractors All Risks - Owner Controlled Insurance Policy (OCIP)

This policy is for an employer having works undertaken on their behalf. It provides cover as normally required for works undertaken under option B of the JCT standard contract conditions for new builds or option C for alterations to existing buildings.


Chubb have been writing construction business for nearly 60 years.

Technical Lines Manager UK&I, Kevin Lutz and Alex Forman, UKISA Casualty Manager shares insights into why some of our construction clients have been with us for many years. 

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Watch Chubb’s interview with InsureTV

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We understand construction – and care about your company

Whether your business is big or small, takes you around the world or just around town, Chubb is here for you. Our breadth of experience in construction business insurance means we can provide the guidance and service you need, whenever you need it, wherever you may be.

Partnership that’s personal
We work to understand your business and where you’re headed so we can be proactive about meeting your needs. We invest in getting to know you, your team, and your customers. The goal: to help you see ahead, be ahead, and stay ahead.

Creative problem-solving
Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is always evolving because we’re always helping clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.

Unmatched expertise and financial strength
We’ve served clients and partnered with leading organisations for more than 200 years. Our longevity, expertise, and financial strength are the bedrock of our business.  We have written construction business in the UK continuously and consistently for more than 60 years. 


We also offer Primary and Excess Third Party Liability, Employers Liability and Motor via our Casualty team and Environmental Impairment cover via our Environmental team, and can offer joined up package deals to wrap the full cover you need.

In addition we offer Surety, Professional Indemnity and Marine covers to fully cater for all of your contracting needs.

We also offer market and industry leading engineering services including our guidance documents on water damage and fire as well as award winning dedicated claims service.


Download our construction infographic to learn more about our solutions


Talk to one of our experts

London contact:

Kevin Lutz
Technical Lines Manager, UK&I


UK&I regional contact:

Tom Finnegan
Regional Technical Lines Manager, UK&I