JCT Insurance Cover

Non-negligence insurance is vital to the majority of large scale builds. Construction Insure are a construction insurance broker with a wide range of experience and knowledge in providing JCT insurance, we use our panel of insurers to get you the best quote on the market.


JCT Insurance for Construction

Need JCT Insurance? Get in touch today!

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

JCT Insurance in the Construction Industry


JCT Insurance is invaluable in situations where a JCT (Joint Contracts Tribunal) Contract exists, it is an agreement that clearly defines the responsibilities and the liabilities of each person or company involved in a building project. It acts as a safeguard for the client, developers and contractors alike in the event of a non-negligence insurance claim. At Construction Insure, we know which policies and contracts best protect your financial and legal liabilities on a build.

Types of JCT Insurance?

There are different types of JCT Insurance, because we deal with them all the time we would be happy to offer advice on which one is applicable to your situation.

These are the main types:


JCT 21.2.1 protects you if there’s a non-negligence incident during the build. This includes issues such as the lowering of groundwater, things that couldn’t be foreseen and that non-one could be held liable for. However, any remedial work would still have to be paid for. JCT 21.2.1 would cover these costs, even if there’s already a Contractors All Risks policy in place. The information the insurer would need would be, for instance: the scope and cost of the build, the original drawings and indemnity you require. This is something that we would, of course, help you with every step of the way.


JCT 5.4A is a variation where the property owner and contractor are named jointly on the policy for a new build. This is different from the contractor’s own ‘All Risks’ policy. Some policies do already include the developer as a matter of course, but we would advise you on any details like this.


JCT 5.4B is similar to JCT 5.4A. The variation is that, in this case, the developer and contractor are required to be named on the building insurance.


JCT 5.4C is another variation. This requires the contractor is added to the home policy, in effect, making it a ‘joint names’ policy for the building. This can be complicated, due to existing exclusions in some building policies. But we’re here to help simplify the process.


Why JCT Contracts?

As you know, building projects can be complex. At the earliest stages they may only involve an architect working with the client or the developer. But as the project progresses then more people can get involved, including surveyors, engineers, building contractors, trades and suppliers. This adds new levels of complexity and responsibility to the build especially should something go wrong. It makes allocating blame and liability, more difficult. A JCT contract protects those parties involved.

What does JCT Contract Insurance Cover?

A JCT Contract takes care of this at the earliest stage of the project. It’s an agreement that clearly specifies what the project entails, who is involved at each point, the timing of their part of the build and the costs involved at that stage. In short, the agreement sets out the responsibilities of all parties involved in the project and their obligations to each other. It’s the type of agreement we know how to obtain for you. We’ve been helping contractors and property developers for forty years get the protection you need.

Why do you need a JCT Contract?

A JCT Contract covers you for non-negligence claims on certain types of builds. It protects you if problems come to light that couldn’t be predicted, such as subsidence compromising the building’s integrity. The agreement allocates that risk fairly, using the legal knowledge and experience of the insurers. It’s recognised and welcomed, by developers, contractors and clients because it speeds up the early stages of a project. Once the agreement is in place, the build can go ahead with the responsibilities of everyone involved clearly defined.

How do you get the right advice?

At Construction Insure we know the right questions to ask you to make sure you get the JCT Insurance cover you need. Because we’ve been insuring the construction industry for a long time, we’ll give you the right advice to ensure you are fully protected from any claims against you should something go wrong with your project. Please call us on 0203 958 6868 in the first insranc so we can talk to you about the JCT 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


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- Zena Nairi LLB (Hons)