Construction and latent defects​ insurance

Customised cover built around your requirements

Due to the diversity of construction businesses, any insurance policy must include exposures specific to your operation. As a result, our proposition is complemented by a latent defect risk solution that caters for the unique exposures faced by large construction projects.

Why choose us for construction and latent defects insurance?

  • We can underwrite global construction projects (with exclusive London market capacity)
  • We offer packages that combine cover for construction and operation, such as property, latent defects insurance and other specialist covers
  • Our claims team is comprised of experienced construction specialists

What does the cover do?​

Our products protect the construction industry against:​

  • Contractors’ all risks (CAR), erection all risks (EAR)
  • Loss or damage to permanent and temporary works, and construction plant and machinery
  • Delay in a Start-up following an indemnified event under the CAR/EAR
  • Latent defects insurance (LDI) (can be considered for limited occupancies and territories)

Additional covers can be requested including:

  • Third party liability cover
  • Damage to existing property 

GCS Construction & Latent Defects Lead

Sophie Hitchcock 

Sophie has over 20 years of experience underwriting global construction across Works, DSU, TPL and Existing Structures. Having the capabilities to handle single projects of a variety of sizes including large complex risks through to Annuals and multinational placements for Contractors and Developers. Sophie leads a team of 10  underwriters based in London who provide a breadth of knowledge to support a wide client base on a global basis.

Contact Sophie here

Multinational Capabilities

We can lead global insurance programmes worldwide through our Multinational Centre of Excellence (COE) and our partner network that covers more than 150 countries. We strive to provide a seamless, client-focused end-to-end service – creating controlled master programmes for corporate clients.

Our underwriting appetite

Our diverse underwriting appetite allows us to write more than you may think.

Learn more about our appetite