Construction Insure are specialist in arranging JCT insurances. A JCT 5.4A is a joint named contract works insurance between the employer and the building contractor. At construction Insure we know and understand what you’re looking for when it comes to developers insurance and can arrange these bespoke insurances at speed.


JCT 5.4A plans and hat

Need Insurance? Get in touch today!

Whatever your JCT 5.4A insurance requirements, please get in touch today for a free no obligation quotation.

Why JCT 5.4a?

There are many variations to a JCT (Joint Contracts Tribunal) Contract. A JCT 5.4A is a contract that requires the employer of a property development, or building project, to be included as a ‘joint name’ with the contractor, on an insurance policy. It’s usually the main contractor’s Contractors All Risks or the Contract Works policy that covers liability for the work in progress. However, if the two policies are separated, it’s preferable to have the employer jointly noted on both of those policies. This is to ensure that, if anything happens to the contractor, the employer, or developer, is financially protected.

Sometimes, there may be an issue with the contractor’s insurer, who may decline to add the employer to the policy. If this does occur, then the employer can obtain a Contingent policy for Contractors All Risks and Contracts Works in both names for the build. This will safeguard the developer for the life of the project. Complexities like these require expert knowledge and experience of construction industry insurance. At Construction Insure, that’s exactly what we have. And we specialise in simplifying the insurance process for you.

There are different types of JCT that may be more relevant to your build whether starting completely from scratch or making changes to an existing structure. We’ll help you obtain the correct one for you. Here’s a short explanation of the different types available below.


JCT 5.4b Insurance

This is similar to 5.4A, above. However, in this variation, the developer and contractor are both required to be named on the building insurance. This is in addition to both being named jointly on the Contractors All Risk policy or Contract works policy.

JCT 5.4C Insurance

This is a variation that specifies that the contractor is named on the home policy. Which, in effect, makes it a ‘joint names’ policy. Some buildings policies have clauses that make this potentially complicated. However, we’re aware of, and can deal with, complexities of this nature.

JCT 21.21 Insurance

This protects you for non-negligence claims during the project. For example, subsidence that undermines the integrity of the build. These are the types of issues, that can’t be predicted, so there’s no direct responsibility. However, a JCT 21.21 would cover the costs of the remedial work, even if there’s already a Contractors All Risks policy in place.

How do you get the right advice?

Because we’ve been insuring the construction for a long time, we’ll give you the help you need to make sure you’re fully protected from claims against you. Please call us on 020 3958 6868 so we can talk to you about the JCT that you need for your project.



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