Insights & Blogs
We’ve boiled down our expertise into guides and articles to help you get to grips with everything to do with healthcare insurance, risk management and professional indemnity.
Our content is designed to help educate you on topics, but these shouldn’t be used to replace any questions you have about your current policy, claims that may have arisen or organising insurance cover.
Case Studies
A contractor specialising in large-scale concrete works required Professional Indemnity (PI) coverage after expanding into design-and-build services. Due to the high-risk nature of the work and added design liability, the risk was declined by multiple insurers. By breaking down the risk into components and presenting a clear risk profile, the client was successfully placed with an “A” rated Lloyds market.
Professional Indemnity (PI) claims in construction are rarely straightforward. Even where contractual arrangements and insurance structures appear well aligned at placement, the position can change significantly once a claim arises.
Servca is pleased to announce the launch of a new combined PL/EL/CAR facility, providing brokers with a competitive and flexible solution for contractors across the UK and Ireland.
In Design & Build procurement, Principal Contractor and General Contractor carry fundamentally different exposures — yet insurance programmes rarely reflect that distinction. Where one organisation holds both roles, execution risk and systemic coordination liability accumulate together, leaving contractors absorbing professional and regulatory responsibilities that traditional construction cover was never designed to address.
Not all Professional Indemnity policies are built the same. If you're a contractor responsible for both design and build, the wording behind your cover matters more than most people realise. In this article, we break down the real-world differences between Design & Construct (D&C) wording and traditional Engineer PI, why the distinction is critical when a claim lands, and what it means for anyone buying, placing or reviewing construction insurance.
World Mental Health Day serves as an important reminder that employee wellbeing is no longer simply an HR issue. Increasingly, it is a matter of governance, regulation, and liability. Boards and senior leaders are expected to have clear structures in place to manage mental health, with regulators, investors, and employees paying close attention. Failure to act not only carries reputational consequences but can also expose directors to litigation and personal accountability.
Scaffolding contractors face high-risk exposures, strict regulations, and selective underwriting, making liability cover challenging. Retail brokers risk blocked markets and delays, but wholesale partnerships like Servca’s can unlock capacity, strengthen risk presentation, and secure better terms.
Casualty insurance has always been shaped by shifting social, technological and regulatory landscapes. In 2025, retail brokers are finding that client conversations increasingly extend beyond traditional public and employer’s liability into new and less-defined areas of risk. For brokers advising contractors, SMEs, and specialist firms, being ahead of these trends is critical.
