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Building projects are full of uncertainties – weather events, supply delays and the complexity of coordinating multiple trades can all lead to loss or damage. Contract works insurance (often called contractors’ all risk insurance) helps protect you against the cost of accidental damage to a project under construction. These policies are usually issued jointly in the names of the contractor and the client and cover unforeseen loss or damage to building works and equipment during the construction period. Contract works insurance will pay to repair or reinstate the works if they are accidentally destroyed or damaged before completion and typically operates on an “all risks” basis.

The Building Safety Act 2022 has reshaped the landscape for anyone involved in the ownership or management of residential blocks of flats. Introduced after the Grenfell Tower tragedy, the Act aims to make buildings safer, clarify accountability and protect leaseholders. But its impact reaches beyond construction and compliance, it is also influencing the insurance market and the work of managing agents.

If you’re a ground working contractor, you already know the job comes with risks – from deep excavations and working with heavy machinery to the constant danger of hitting underground services. But how confident are you that your insurance policy is keeping up with your work?

By Luke Dungworth, Financial Lines Broker, Champion Professional Risks

By Ed Barnes, Divisional Managing Director, Champion Health & Benefits

As the ground shifts beneath our feet, both literally and metaphorically, the risks facing geotechnical consultants are becoming more complex. From increased scrutiny on pollution liabilities to the implications of high-profile legal claims, the importance of having robust and responsive professional indemnity insurance (PII) cannot be overstated.

Solicitors’ Professional Indemnity Insurance (PI) is one of the most complex areas of the insurance market – and one of the most critical for law firms of all sizes. Every solicitor in England and Wales is required to have qualifying PI insurance that meets the Solicitors Regulation Authority (SRA) minimum terms and conditions, but placing or renewing cover is getting harder and more expensive.

When your home is worth millions, contains rare and valuable possessions, or reflects a truly unique lifestyle, standard home insurance simply isn’t built to protect it.

At Champion Insurance Group, we’ve supported the UK construction industry for years. As Chartered Insurance Brokers, we understand that construction projects, whether a single residential build or a multi-million-pound high-rise, carry a wide range of risks.