Specialist Civil Engineering & Groundworks Contractor
A long-established, family-run civil engineering and groundworks contractor operating across the UK. The business undertakes a wide range of works including bulk earthworks, drainage, foundations, reinforced concrete, and infrastructure projects for commercial developers and principal contractors.
The Challenge
The client operates heavy plant, specialist machinery, and large site teams across multiple live construction sites. Their risk profile included:
- Significant exposure to plant and machinery loss or damage
- Contractual requirements for high liability limits
- Ongoing works involving third-party property and existing structures
- Tight project timelines where delays could lead to contractual penalties
As the business expanded and took on higher-value contracts, their existing insurance arrangements needed review to ensure they remained aligned with the scale and complexity of operations.
Our Solution
We worked closely with the client to undertake a full review of their insurance programme, focusing on both contractual obligations and real-world risk exposure.
This included:
- Arranging a tailored Contractors All Risks policy covering contract works, temporary works, and on-site materials
- Structuring Public & Products Liability with limits aligned to principal contractor and client requirements
- Reviewing Plant & Equipment cover to ensure owned and hired-in machinery was adequately insured
- Ensuring Employers’ Liability arrangements reflected workforce size and site activities
We also assisted the client with:
- Contract reviews to ensure insurance clauses were achievable and properly reflected in policies
- Ongoing risk discussions as project values and site profiles changed
- Renewal planning to maintain continuity of cover and avoid gaps during busy trading periods
The Outcome
- The client secured insurance arrangements aligned with their contractual and operational risk
- Site works continued without interruption, supported by compliant insurance documentation
- Improved clarity around plant, liability, and works cover reduced uncertainty for both management and site teams
By aligning insurance protection with the realities of large-scale civil engineering operations, the client was able to continue tendering for and delivering complex projects with confidence.