Construction & Engineering
Construction risks, professional liability and surety bonds for the full life cycle of the site.
Construction companies, designers and investors
The program covers the construction process from earthworks to commissioning — including the liability of the designer and construction supervision. Broker Ins coordinates the requirements of the investor, the financing bank, and the supervisory authorities.
Program at a Glance
The coverages that build protection for your business
Coverages are combined according to the specifics of the activity, and are negotiated individually for each client.
Construction All Risks / Erection All Risks (CAR/EAR)
Protection for construction and erection activities, materials, equipment and facilities against damage, breakdown, fire and other unforeseen events.
Professional Liability under the Spatial Development Act
Mandatory insurance covering your professional liability as a designer, builder, consultant, construction supervisor, or technical control officer towards third parties and other participants in the construction process, should they suffer harm as a result of your improper action or omission.
Occupational Accident
Cover for work-related accidents resulting in temporary or permanent disability or death.
General/Public Liability to Third Parties
Insurance protection against claims for property or non-property damage caused to third parties or neighboring properties in connection with construction activities.
Construction Equipment Insurance
Insurance protection for owned and rented construction machinery against damage, breakdown, theft, fire and other agreed risks.
Employer's Liability
Protection against employee compensation claims arising from occupational accidents and diseases for which the employer is liable.
Surety / Performance Bond
Includes advance payment, performance and maintenance bonds, protecting the client in the event of non-performance or improper performance of the agreed terms.
Specifics by type of activity
Every business has its own risk profile — coverage is tailored to the specific nature and needs of each operation
From inquiry to ongoing support — four steps
Inquiry
You share details about the site, its value, and the construction timeline.
Risk Assessment
Review of project documentation and assessment of construction risk.
Quote & Negotiation
We negotiate terms with leading insurers on your behalf.
Ongoing Support
Online policy management and renewals, with full support in the event of a claim.
Frequently Asked Questions from Our Clients
When should the CAR/EAR policy be taken out?
Before construction activities begin — the cover applies for the entire execution period.
Does the financing bank require additional cover?
The bank may typically impose specific insurance requirements as a condition of financing. These depend on the type of site, the amount of financing, and the loan terms. We assist with clarifying and fulfilling the bank's requirements.
Is the warranty period after completion of the site covered?
Yes — the surety bond can remain in effect even after commissioning.
Do you work with subcontractors under separate policies?
Yes — each subcontractor can be insured individually or included in the site's overall program.
Get a Tailored Quote for Your Business.
Tell us about your business — we will prepare a tailored insurance program and assign a dedicated corporate expert.