Property and Construction Insurance

Protecting all types of business in the construction industry

We specialise in creating comprehensive and cost effective insurance protection for property and construction businesses of all types and size.

Contractors All Risks

>rovides cover for materials on site forming part of the contract works and can include owned and hired in plant and employees tools and personal effects. Contract works cover provided up to handover or as required by contract.

Employers Liability

emploters liability
Provides the business with cover against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to, and during, their employment.

Material Damage

material damage
Provides cover for the business’s material property for loss or damage as a result of Fire, Lightning, Explosion, Aircraft, Theft, Riot, Malicious Persons, Earthquake, Storm, Flood, Escape of water, Impact by vehicles or animals and Accidental Damage.

Public and Products Liability

public liability
Cover is provided in respect of legal liability to pay compensation including legal costs for

  • accidental death or personal injury to any person excluding employees
  • accidental loss or damage to third party material damage

Performance Bonds

performance bonds
Cover is provided in respect of legal liability to pay compensation including legal costs for
A performance bond is a financial tool used to guarantee that in the event of a developer or contractor’s default, funds are available to finish the construction or other project. This is usually required where the insolvency of a contractor during the period of the contract will most likely result in delayed project completion and additional expenses for an alternative contractor to finish the work.

JCT 21.2.1

jct 21.2.1
Cover is provided in respect of legal liability to pay compensation including legal costs for
The Joint Contracts Tribunal (J.C.T.) Standard Form of Building Contract is in everyday use in the construction industry. Its provisions are extensive and include a number of clauses requiring insurance protection to be effected.

21.2.1 insurance protects the Employer in respect of any expense, liability, loss, claim or proceedings which they may incur or sustain by reason of injury or damage to any property other than the Works and Site Materials caused by collapse, subsidence, heave, vibration, weakening or removal of support or lowering of ground water arising out of or in the course of or by reason of the carrying out of the Works excepting injury or damage.


Do you have a question or would you like to learn more about what LCS are able to offer? Please fill out the form below and we will get in touch by the end of the next working day. Or if you can’t wait call us anytime on 0121 234 7890 or email us at

*You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the appropriate data protection requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.