Independent Insurance Brokers

Liability and Contract Works Insurance

Whether you’re a contractor, builder, or involved in any form of construction, having the right insurance in place is essential to protect your business, your team, and your clients.

Protection for both you and your clients

Insurance Tailored To Your Needs

At Penshurst Insurance Services Ltd, we offer Liability and Contract Works Insurance that’s tailored to meet the complex needs of the construction and trades sector.

What is Liability and Contract Works Insurance?

This type of insurance provides protection for both the legal liabilities associated with your work and the physical construction project itself. It’s a combined cover that safeguards your business from third-party claims while also insuring the work in progress.

What does it cover?

Core areas of cover include:

JCT 6.5.1 (Non-Negligence) Insurance

We also offer specialist JCT 6.5.1 insurance, often required under Joint Contracts Tribunal (JCT) contracts. This policy provides cover for accidental damage to third-party property — such as neighbouring buildings — caused by construction activities, even when no party has been negligent.

Who is it for?

This policy is essential for builders, developers, and contractors undertaking residential, commercial, or industrial projects. For example, a construction firm building a new housing development would need this insurance to protect against potential injury claims from site visitors, damage to nearby properties, and loss of materials or structures under construction — including the risk of accidental third-party damage that might be covered under a JCT 6.5.1 clause.

Need Help With Your Insurance?

Talk to one of our specalist team about your situation and see how Penshurst can help you.

What Our Customers Say

Testimonials