YOUR BUSINESS. OUR FOCUS.
UpSure Construction & Engineering
Cover conversations that start before the work does.
From the design brief to site handover, we help you work through the assets, responsibilities and contracts behind your projects.
For project businesses, contractors and engineering services.
Start with your scope
Define the work, project values and responsibilities clearly.
Review before signing
Bring insurance and indemnity clauses into the conversation early.
Look beyond the site
Include plant, materials in transit and professional services.
A CLEARER STARTING POINT
Your role on the project changes your risk.
Designing, building, supervising and supplying equipment create different obligations. Tell us which roles you take on, who appoints you and what the contract expects. We can then agree the scope of the insurance review.
- Construction businesses
- Engineering consultants
- Project contractors
- Plant & installation services
THE COVER CONVERSATION
What might your business need?
Start with the exposures, then the policy. Here are some of the areas we can discuss.
Contract works
Discuss damage to works and materials, the construction period, testing and any maintenance-period cover.
Discuss with our teamPublic liability
Third-party injury or property damage arising from the declared works and activities.
Explore this areaProfessional indemnity
Design, specifications and professional advice can create liabilities that public liability does not address.
Explore this areaPlant & equipment
Owned or hired plant, tools and machinery need review against their use, locations and hire conditions.
Discuss with our teamMaterials in transit
Check responsibility for equipment and materials before arrival, during storage and between sites.
Explore this areaManagement liability
Discuss employment and governance exposures around running the business, separate from the works themselves.
Explore this areaThese are areas to discuss, not a recommended package or confirmation that cover is available. We will confirm insurer appetite and the scope we can arrange. Policy terms, exclusions, limits and excesses apply. Workers compensation and other compulsory arrangements need separate consideration.
READ THE CONTRACT, THEN DESIGN THE COVER
A certificate is only the starting point.
A requested limit does not explain everything you have agreed to. Principal's interests, indemnities, existing property and subcontractor arrangements can all change the insurance discussion.
- Confirm who arranges works cover and what it includes.
- Check professional obligations alongside construction liabilities.
- Review testing, completion and defects-period requirements.
LET'S MAKE IT SIMPLE
A short brief.
A real conversation.
Tell us what you do, what is changing and when you need cover. We will explain the next step and what else we need.
Start your enquiryA few useful things to have ready
- Trades, services, project types and maximum values
- Contracts, project dates and subcontractor arrangements
- Plant schedules and owned or hired equipment
- Current policies, licences and claims history
Complex quotes require an engagement letter before detailed broking work begins. Here is how that works.
Is contract works the same as public liability?
No. They address different exposures. Works cover concerns insured damage to the project and materials; public liability addresses certain third-party injury or property damage claims. Both need to reflect your role and contracts.
Annual cover or a single-project policy?
That depends on the number, type and value of projects and the terms available. Annual cover can still have limits for individual projects, activities and periods. Share your current pipeline and any unusually large job.
Are subcontractors automatically insured?
Do not assume so. Your liability arising from their work and the subcontractor's own cover are different matters. Review the named insureds, subcontract conditions and evidence of the subcontractor's insurance.
Does this replace compulsory building insurance?
No. Any statutory insurance, licensing or workers compensation requirements need separate checking for your jurisdiction and work. General construction or liability cover is not proof that those obligations have been met.
What happens after I enquire?
Our team reviews your activities and the scope of the work before approaching insurers. These enquiries are broker-led, not automatic quotes. For complex placements, we agree an engagement letter before detailed broking work begins. Making an enquiry does not start cover.
Read the engagement FAQsYOUR NEXT STEP
Bring us the brief before work begins.
General information only. This does not take into account your objectives, financial situation or needs. Availability and cover depend on underwriting acceptance and the policy terms, conditions, exclusions, limits and excesses. An enquiry is not confirmation of cover. Read the relevant policy documents and our Financial Services Guide.
Further reading: QBE: construction and engineering insurance overview