Business Details
46 Years
experience
Trusted Construction Insurance Solutions in Ely
As a full-service insurance broker, we provide a vast range of insurance policies to protect construction businesses across the UK. Our deep-rooted expertise in both construction and insurance positions us as a trusted partner for SMEs in the industry. As a wholly-owned subsidiary of the FMB Insurance (FMB), we combine unparalleled industry knowledge with tailored insurance solutions. Our team of Chartered Insurance Institute-qualified professionals works closely with leading insurers to deliver quality coverage at competitive rates.With over four decades of experience since our establishment in 1980, we have built a reputation for providing clear advice, comprehensive protection, and exceptional customer service. Our commitment to excellence is evidenced by our Investors in People accreditation and our role as a Registered Code User of the Consumer Code for New Homes. We pride ourselves on offering not just insurance products, but complete business protection solutions that give our clients the confidence to focus on their core operations.
Services
Public Liability Insurance
Employers Liability Insurance
Contract Works Insurance
Professional Indemnity
FMB Building Work Guarantee
New Homes Insurance
Unoccupied Buildings Insurance
Van and Fleet Insurance
Details
- Year established: 1980
Highlights and features
- We are experts in both construction and insurance with over 40 years' experience
- We have established relationships with leading UK insurers
- We offer access to a comprehensive range of specialist insurance products
- Our staff are qualified by the Chartered Insurance Institute
- We provide dedicated customer service representatives for ongoing support
Associations and certifications
- Financial Conduct Authority
- Investors in People
- Consumer Code for New Homes
What people say
Excellent customer service
Competitive pricing
Expert industry knowledge
Comprehensive coverage options
Reliable claims process
Services
Public Liability Insurance
Public Liability Insurance protects construction businesses from claims related to property damage or personal injury caused during operations. This essential coverage safeguards against financial losses from incidents like accidental damage to client property or injuries occurring on-site. As a mandatory requirement for many contracts, this insurance provides crucial protection for builders working with councils or commercial clients, ensuring business continuity while demonstrating professional responsibility.
Employers Liability Insurance
Employers Liability Insurance is a legal requirement for businesses with staff, covering claims from work-related injuries or illnesses. This protection extends to permanent employees, contractors, and temporary workers, covering compensation costs and legal expenses. The policy offers varying levels of indemnity up to 10m, with specific exclusions for bona-fide subcontractors. This insurance ensures compliance with legal obligations while protecting business assets from employment-related claims.
Contract Works Insurance
Contract Works Insurance safeguards construction projects during active development, covering damage from events like fire, flood, or vandalism. This coverage protects the financial investment in ongoing works, including materials, tools, and completed structures. Particularly valuable for large-scale projects worth up to 1 million, the policy ensures financial protection against unexpected incidents that could otherwise jeopardise business viability and client relationships.
Professional Indemnity
Professional Indemnity Insurance protects against claims arising from professional errors or negligent advice. This coverage addresses financial losses resulting from incorrect information, design flaws, or breaches of confidentiality. The policy covers legal defense costs and compensation for rectifying mistakes, making it essential for builders providing specialist advice. This insurance safeguards business reputation and financial stability in cases of alleged professional negligence.
FMB Building Work Guarantee
FMB Building Work Guarantee provides insurance-backed protection for structural defects lasting 2, 6, or 10 years. This comprehensive warranty covers the full contract value of projects ranging from extensions to new builds. The guarantee ensures client protection even if the builder ceases trading, offering peace of mind for homeowners and developers. As the only single-policy solution covering entire projects, it simplifies protection for complex construction works.
People
Peter Matson
Chairman
With extensive experience in the construction insurance sector, Peter Matson leads FMB Insurance as Chairman, leveraging his deep industry knowledge to guide strategic direction and ensure continued excellence in service delivery.
Jeremy
Surveyor
Jeremy provides expert surveying services for FMB Insurance, offering professional guidance throughout the policy process and conducting critical site inspections to ensure compliance with building standards and regulations.
Questions
What level of Public Liability cover should I have?
Coverage typically ranges from £1m to £10m depending on contract size. Our team helps determine appropriate levels based on your specific business needs.
How does Employers Liability insurance differ for subcontractors?
Bona-fide subcontractors with their own insurance don't need inclusion, but labour-only subcontractors should be covered under your policy.
What does Contract Works Insurance cover?
Covers damage to ongoing projects from events like fire, flood, or vandalism, including materials, tools, and completed structures up to contract value.
How long does the FMB Building Work Guarantee last?
Available as 2, 6, or 10-year policies providing full contract value protection for structural defects following project completion.
Is New Homes Insurance transferable?
Yes, policies can be transferred to new owners if selling within the 10-year coverage period for a £25 administration fee.
What site inspections are required for New Homes Insurance?
Typically four inspections at key stages: foundation, shell, roof, and completion, with additional visits for complex properties.
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