At Digney Grant we have over 40 years of experience working with local businesses in the construction sector. We offer a complete insurance solution for building firms, developers, surveyors and individual contractors working in the construction industry.
Our specialist construction insurance team arrange bespoke packages from the full range of insurance products, created with an exclusive panel of specialist construction insurance companies.
What is construction insurance?
The construction industry is a diverse sector, so ‘construction insurance’ often refers to a wide variety of insurance types which may include:
- Contractors All Risk Cover
- Property Damage
- Fire and theft
- Structural Warranty
- Employer’s Liability for Construction Firms
- Professional Indemnity for Construction Professionals
- Product Liability for the construction industry
- Plant and equipment insurance
- Collateral Warranty Cover
Who needs construction insurance?
Any business or contractor working in the construction industry in the UK will require some form of insurance. What that is or what it must cover will depend on the type of business you run.
Small building firms, companies making products for the construction sector and individual contractors such as bricklayers, plasterers or roofers will all require a mix of construction insurance cover depending on the services they offer, the value and the type of work they do and whether they employ others.
Construction insurance is required for:
- Property developers
- Construction companies
- Contractors such as bricklayers, electricians, plumbers, plasterers, joiners, roofers and other tradespeople involved in construction or renovation projects
What does construction insurance cover?
Construction insurance can cover financial losses and legal costs related to claims against your company or you as a sole trader.
This includes claims made by
- employees who have been injured while working for your firm,
- members of the public injured as a result of unacceptable or unsafe work done by you or your company and
- your client
Common construction insurance policies also cover your losses as a result of fire, weather damage such as floods or high winds or accidents involving commercial vehicles. Some policies can cover losses caused by employee theft or vandalism and even the cost of delays or disruption caused by mechanical breakdown and other unforeseeable risks.
Why choose Digney Grant for construction industry insurance?
Your Local Insurance Expert
Digney Grant has over 40 years of experience in the construction trade locally and internationally. We understand the complexity of cross-border trade and employment and have developed a range of specialist insurance products and services to cover any sort of construction sector risk in the UK, Ireland or further afield.
Local Knowledge - National Buying Power
We’re Newry natives and while we operate as an independent company, we are also part of ABL Group - NI’s largest commercial insurance broker and risk management advisory.
As a group, we are proud to call some of the country’s best-known construction companies and most respected institutions our clients and partners.
We are the exclusive insurance partner to organisations such as The Chartered Institute of Building and the Construction Employers Federation NI.
Digney Grant is also a part of Brown & Brown, Inc., a leading global insurance broking group, giving us access to a range of insurance products unavailable to many of our local competitors and the national buying power to deliver incredible savings for our clients.
Our local insurance experts are part of your community - we live locally, buy from businesses just like yours, know the same people and love the places we all call home.
We know this place and its people and what it’s like to live and do business here.
We understand that every Northern Ireland business is unique and your dedicated account handler will work hard to fully understand your needs before sourcing an insurance and risk solution that is customised to you.
An integrated solution
Digney Grant offers a fully joined-up service.
Our in-house risk management team can analyse your business and identify risks to help you protect your people, reduce your claims and potentially bring down the cost of your insurance.
Our local insurance brokers consult with a range of specialist construction insurance companies to create the right package for you and, if the worst happens, our dedicated claims handling service stands by to assist you and help protect the future of your business.
Whatever you’re building, we’ll take care of it.