For your JCT insurances we are your best choice as we understand what the JCT is requesting and we can arrange cover at speed and give you a good understanding of what construction insurance you are acquiring.

Construction installation plans

  • Contract Works Insurance
  • Contractors All risk Insurance
  • Non negligence Insurance
  • Legal Indemnity Insurance

Need Insurance? Get in touch today!

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

This version of a JCT contract specifies that the contractor is added to the buildings insurance, making it a ‘joint names’ policy. However, you may not be able to add the contractor to basic home insurance. This is because some policies of this type include a ‘contractor’s clause’ which specifically excludes claims where the builder is held responsible. This clause also applies to other contractors on the project. But, because we have construction-specific contacts we’ve built up over many years, we will make sure you get the policies that cover you, financially and legally, for your build.

Other types of JCT Insurance which may be relevant to your build

There are various types of JCT that may be more applicable to your project. We’ll give you the guidance you need to make sure you get the correct one. So get in touch today to find out more.


JCT 5.4A Insurance

This specifies that the employer and contractor must be a ‘joint names’ on the policy. While it’s preferable to have joint names on the Contractors All Risks or the Contract Works policy, sometimes the two policies are separated. In which case, a 5.4A policy protects the employer or developer if there are problems with the builder.

JCT 5.4b Insurance

This is a variation to 5.4A, where the developer and contractor both need to be named on the building insurance. This is required even if they are jointly named on the Contractors All Risk policy or Contract works policy. If you are unsure as to whether this type of insurance is required for your project, then please just ask!

JCT 21.21 Insurance

This safeguards the employer and builder for non-negligence that arise during project. Non-negligence refers to problems that can’t be foreseen, such as subsidence or flooding, but would still need to put right. This could easily become a huge extra expense outside the scope of the original budget. 21.21 insurance will pay for remedial work, even if Contractors All Risks policy is already in place. We’d work with you to provide your insurer with the information they need to put the policy in place, such as the budget for the project and how much indemnity you require.

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. JCT Insurance can be a complex area which is why talking to a specialist in Construction Insurance is often the best course of action. We can offer independent and no obligation advice so you can rest assured you will get the best. Please call us on 020 3958 6868 so we can talk to you about the JCT 5.4C Insurance that you need for your project.



" 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)