16 December 2025 | Insight
The construction industry is the backbone of infrastructure and economic growth, but it’s also one of the most complex and risk‑laden sectors. Contractors juggle tight deadlines, fluctuating supply chains, materials inflation, and the ever‑present risk of accidents or delays. In this environment, insurance isn’t just a box to tick, it’s a strategic defence for business continuity.
Yet too often, contractors rely on generic insurance programmes that fail to reflect the realities of modern construction. Standard wordings and off‑the‑shelf limits may appear sufficient, but they often contain onerous exclusions and conditions that are impractical in the real world of construction. The result? Gaps in coverage that can leave businesses vulnerable to financial shocks.
Just as contractors regularly review project plans and safety protocols, insurance programmes deserve the same scrutiny. A healthcheck provides clarity: Are premiums aligned with your claims history and project profile? Are exclusions leaving you exposed? Could alternative placement frameworks deliver cost efficiencies without compromising protection?
At Price Forbes, we’ve seen how inadequate cover can derail even the most experienced contractors. Conversely, we’ve also seen how a well‑structured programme can free up capital, strengthen resilience, and provide peace of mind. That’s why we offer a Complimentary Confidential Insurance Healthcheck - a discreet, comprehensive review designed to highlight strengths, uncover gaps, and recommend improvements.
Confidence in coverage - assurance that policies reflect the realities of contracting, not just generic risks.
Financial efficiency - opportunities to reduce unnecessary spend and reinvest capital where it matters most.
Future‑proofing - wider coverage that anticipates unforeseen events and keeps projects on track.
Clarity and focus - the ability to concentrate on delivery, knowing your insurance programme is fit for purpose.
Price Forbes has been the home of specialist broking for over a century. Our Construction team combines heritage with entrepreneurial spirit, bringing deep market knowledge and trusted relationships to every engagement. We act with integrity, discretion, and a client‑first mindset because protecting contractors is about more than policies, it’s about enabling progress.
If you’re a UK contractor looking to strengthen your insurance programme, our team is ready to help. A conversation today could be the difference between exposure and resilience tomorrow. Contact us to schedule your Complimentary Confidential Insurance Healthcheck and build confidence in every project.
Our insurance experts are always on hand to talk about ways we can join forces to take on the future.
