Basement Contractors Insurance

Construction Insure are specialist at providing insurance for basement contractors and understand that they are a few different types of basement works, ie new basement digs, basement extensions and basement conversions.
We will drill into your business activities and make sure you are properly covered for the works you are carrying out and not overpaying for something you don’t need.

Basement Contractors Insurance

  • Contract Works Insurance
  • Dewatering Insurance
  • Groundworks Insurance

Need Insurance? Get in touch today!

Whatever your basement contractors insurance requirements, please get in touch today for a free no obligation quotation.

Basement construction has become an increasingly popular solution for creating additional space in a residential property. But ‘digging down’ brings its own specific set of potential problems that need to be acknowledged and insured against. At Construction Insure, we’ll work with you to make sure your financial, legal and physical risks are minimised and you’re fully covered for every eventuality.

How can Basement Contractors Insurance help you?

Whether you’re creating a client’s basement to be a gym, a kitchen, a swimming pool or even a wine cellar, there are common factors you need to be aware of and be covered for.

When you excavate beneath a property, you simply don’t know what issues you may encounter and which you need to be protected against. For instance, you need to identify all utility service feeds, such as electrical cables, gas pipes and broadband cable and insure against accidentally damaging them.


Types of Issues you may face

You may also encounter water table problems that could destabilise your excavation and construction. In the worst case this could lead to subsidence of your client’s property or a neighbouring property. So, you need to be covered if expensive remedial work is required. The variables in any basement project can make your insurance quite complex. But you’ll find that we have the resources and experience to put the right policies in place for all basement-related eventualities. Which is exactly what you need to protect your income and livelihood.

How can we help you get the right cover for your Basement build?

Whatever cover you need on your Basement build, from specifying and covering the correct excavation depths; making sure you have disclosed any underpinning or piling works; and providing vital insurance such as third-party protection, we have the right contacts to help you get the best cover. You may, for instance, need non-negligent cover to protect you if there’s movement of a neighbouring property after your basement construction is completed. This is also known as JCT 21.2.1 and is a claim that could easily cost hundreds of thousands of pounds.

Basement Contractors Insurance Simplified

It sounds complicated, but that’s why we’re here. We can get you the policies that most brokers aren’t able to. Once we know what you need insured and your budget, we’ll do what we do best, which is simply to get you the right insurance cover. When you’re taking on a basement construction, you need to know what you’re doing. It’s the same for the insurance industry. We know about our industry, but we know about the construction industry too.

How do you get the right advice?

We can give you advice about preparing a construction plan that specifies safety for staff working on the excavation and build. This would include creating safe entry and exit points and, where necessary, providing ventilation. There’s also the necessity of training your contractors and sub-contractors on how to carry out work safely and effectively in small spaces. Please call us on 020 3958 6868 so we can discuss your needs with you and give you the advice you need. And then we can get you the insurance cover that’s right for you.

What type of insurance cover will you need?

Here’s a short list of some of the kinds of cover you may need. Call us on 020 3958 6868 to discuss your requirements further.

Insurance Coverage you may need

  • Employers Liability - up to £10million
  • Public Liability (no depth or height limits) up to £1mil, £2 mil, £5mil, £10mil +
  • Products Liability up to £1mil, £2 mil, £5mil, £10mil +
  • Contract Performance Bonds
  • Product Guarantee
  • Professional Indemnity
  • Directors and Officers Liability
  • Legal Expenses and Employment Law Protection
  • Motor Fleet Insurance



" Comparing like with like plus some lower excesses you have managed to save me in excess of £1500 or approximately 15% on my previous insurer. "

- Hew Stevenson


" We found you to be more thorough, efficient and reasonably priced than our existing insurer. We would not hesitate in recommending you to anyone."

- Zena Nairi LLB (Hons)