Construction & Contracting Division
For over 30 years, Howe Maxted has been a cornerstone of the UK construction sector, providing robust insurance solutions for everything from sole-trader plumbers to contractors working on landmark heritage sites like Buckingham Palace.
We understand that in construction, timing is everything. Our division is built on delivering a swift, accurate service that aligns with your tender deadlines and contractual obligations, backed by “A-rated” specialist underwriters.
Our Core Construction Clients
We design exacting insurance programmes for the entire build team, including:
Design & Build and General Contractors
High-Risk Trades: Roofing, Scaffolding, and Steel Erection.
Building Services: HVAC, Electrical, Mechanical, and Plumbing.
Financiers & Developers: Protecting the capital and the asset.
Specialist Construction Coverages
We provide a comprehensive suite of annual and project-specific policies designed to prevent gaps and expensive duplications:
Contractors All Risks (CAR): Wide cover for design, materials, and workmanship. Includes show houses, part-exchange properties, and site office equipment.
Liability Portfolio: Public, Products, and Pollution Liability (up to £5m primary indemnity), plus Employers’ Liability including Manslaughter Defence and Health & Safety costs.
JCT 6.5.1 (Non-Negligent Liability): Specialist cover for damage to adjacent property where no negligence is proven – a frequent contractual requirement.
Professional Indemnity: Tailored for Design & Construct risks.
Performance & Advance Payment Bonds: Safeguard your working capital and bank credit lines by using a surety facility for contract bonds.
Latent Defects / Building Warranties: CML-approved 10 or 12-year warranties for residential and commercial developments.
Strategic Risk Management
Single Project Insurance (OCIP/CCIP)
For large-scale developments, we arrange consolidated insurance programmes (Owner or Contractor Controlled). This wraps the works, public liability, existing structures, and advanced loss of rent into one managed policy, reducing total costs and vetting the solvency of the insurer for all stakeholders.
Tradesman & Small Business Cover
Our Construction Division also caters to sole traders and small limited companies (up to 10 employees). These policies are rated on headcount for simplicity and include essential Public Liability, Employers’ Liability, and cover for your vital tools and equipment.
The Howe Maxted Advantage
In an industry where “computer says no” is common, we provide real expertise from real people. We don’t just arrange a policy; we provide a partnership that understands CPA plant hire conditions, underground services requirements, and the nuances of Defective Title Indemnities.
As the oil firefighter Red Adair famously said: “If you think a professional is expensive, wait ’til you try an amateur.” We ensure your insurance lives up to its promises, protecting your business from “money down the drain” when a claim occurs.
Whether you are tendering for a major contract or need a review of your annual fleet and liability cover, speak with our specialist Construction team on 020 8309 1717 or contact us here.