Business Details
46 Years
experience
Trusted Construction Insurance Solutions
As a full-service insurance broker, we specialise in providing tailored insurance solutions for construction businesses across the UK. Our expertise stems from being a wholly-owned subsidiary of the Federation of Master Builders, the largest trade association in the UK construction industry. This unique position allows us to combine deep sector knowledge with insurance proficiency, ensuring we deliver policies that address the specific risks faced by builders. Our team comprises Chartered Insurance Institute-qualified professionals who work closely with leading insurers to secure competitive coverage for our clients.We prioritise simplicity and transparency, offering dedicated customer support to guide businesses through policy selection and claims processes. With over four decades of experience since our establishment in 1980, we remain committed to evolving our offerings to meet the dynamic needs of the construction sector.
Services
Public Liability Insurance
Employers Liability Insurance
Contract Works Insurance
Professional Indemnity Insurance
Building Work Guarantee
New Homes Warranty
Van Fleet Insurance
Breakdown Recovery
Commercial Property Insurance
Unoccupied Buildings Cover
Details
- Year established: 1980
Highlights and features
- We combine construction industry expertise with insurance knowledge to provide tailored solutions.
- We maintain partnerships with leading UK insurers to secure competitive policy terms.
- Our team includes Chartered Insurance Institute-qualified professionals with sector-specific expertise.
- We offer dedicated customer service representatives for policy and claims support.
- We provide insurance-backed guarantees accepted by major UK mortgage lenders.
Associations and certifications
- Financial Conduct Authority
- Investors in People
- Consumer Code for New Homes
What people say
Quality cover
Expert support
Efficient claims handling
Insurance-backed guarantees
Tailored policies
Services
Public Liability Insurance
This insurance protects builders against claims for property damage or third-party injuries arising from construction activities. Policies cover compensation costs and legal expenses, with limits ranging from 1m to 10m. Required for tendering with councils and commercial clients, it ensures compliance with Federation of Master Builders membership standards while providing financial protection for everyday accidents.
Contract Works Insurance
Covers damage to ongoing construction projects from events like fire, flood, or vandalism. Protects builders' investments in materials and labour for extensions, loft conversions, and new builds. Policies pay for repairs or reconstruction when insured events occur, with coverage amounts based on the total project value to ensure adequate compensation during claims.
Professional Indemnity Insurance
Protects against claims arising from professional errors or negligent advice provided during construction projects. Covers legal defence costs and compensation for financial losses due to mistakes in designs, specifications, or project management. Essential for builders offering specialist advice, this policy addresses risks like breach of confidentiality, defamation, or failure to meet contractual standards.
FMB Building Work Guarantee
Provides insurance-backed protection for structural defects in completed works for 2, 6, or 10 years. Covers remedial costs when builders cease trading, ensuring client satisfaction and compliance with TrustMark requirements. Accepted by UK mortgage lenders, this guarantee enhances builder credibility while offering homeowners long-term assurance for renovations and new constructions.
New Homes Warranty
Offers 10-year coverage for structural defects in new builds, including pollution-related damage and regulatory compliance failures. Includes four site inspections during construction and allows policy transfer to subsequent homeowners. Accepted by most UK mortgage lenders, this warranty provides financial protection for modern construction methods and includes eco-friendly building systems.
People
Peter Matson
Chairman
As Chairman of FMB Insurance, Peter Matson oversees strategic direction and industry engagement. With extensive experience in construction and insurance sectors, he ensures the company maintains its commitment to quality cover and member-focused services.
Questions
What types of insurance does FMB Insurance offer for construction businesses?
We provide public liability, employers liability, contract works insurance, professional indemnity, building work guarantees, new homes warranties, van fleet cover, and commercial property insurance.
Are FMB Insurance policies accepted by UK mortgage lenders?
Yes, our new homes warranties and building work guarantees are accepted by most UK mortgage lenders, including for TrustMark-registered projects.
How does the FMB Building Work Guarantee work?
This insurance-backed guarantee covers structural defects for 2, 6, or 10 years, paying for repairs if the builder ceases trading. It includes full contract value coverage with a £50 excess.
Can I get insurance for unoccupied properties?
Yes, we offer unoccupied buildings insurance covering risks like fire, flood, and vandalism for vacant properties undergoing renovation or awaiting sale.
What support do you provide during construction projects?
We offer site inspections, policy guidance, and dedicated customer service throughout the build process, including four mandatory inspections for new homes warranties.
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