Our typical clients are...

Builders & Construction Firms

Contractors / Subcontractors

Trades

Property Investment Funds

Property Developers

Family Offices

Residents Associations
Typical cover solutions:

Property Owners’ Liability

Commercial Property

Annual Contractors’ All Risks (CAR)

Engineering Insurance & Inspection

Structural Warranty

We also offer a bespoke Commercial Combined service for optimal cover
Property & Construction Insurance
PROPERTY & CONSTRUCTION INSURANCE
The Merlin team has particular expertise in the end-to-end insurance needs across the property lifecycle, from concept to asset.
The extraordinary rewriting of the finances of property (post-Covid societal change, a collapse in commercial property values, a continuing need for new residential properties) shows that this is a business in flux. You need sound advice, and we have the experience and market insight to assist you with confidence.
Insurance for Developers
Property developers and investors deal with risks related to project financing, regulatory approvals, and environmental challenges that can affect project viability and profitability.
Builders face risks from accidents, damage, security issues and delays during construction – all of which vary significantly depending on the project size, location, and complexity.
You’ll also care about compliance with building codes, particularly the Building Safety Act – and ensuring everyday compliance from your subcontractors, too
And once in use, non-residential properties in particular are subject to a raft of regulations to protect visitors and residents and ensure an appropriate level of ongoing oversight.
It's a lot to take in, and even more to try to buy individually and still ensure value. The range of insurances you’ll need can be broad, including:

Commercial
Public liability, Professional indemnity, Directors and Officers.

Construction
Builders' risk (course of construction), Environmental liability.

Project
Single project contract works, JCT 6.5.1 Non-negligence, Latent Defects Insurance (LDI).
…among others. Plus, as construction and development projects can last for years, those policies will need to be adjusted as the project progresses and some risks diminish and others emerge.
HOW WE CAN HELP
The team at Merlin has an in-depth understanding of property and construction. We also have the market visibility to build you a bespoke, comprehensive yet economical insurance regime.
And we’re committed to the cover you need, not the cover which gets insurance companies the biggest payback. With non-negligence, for example, we have a strong track record of helping construction firms ensure adequate cover without the unnecessary expense of duplicate cover.
We’ll work with you to understand the unique exposures associated with your business and craft a package bespoke to your needs and risk profile. Keeping you covered, compliant and confident.

Get in touch to find out how we can help you with Property & Construction Insurance.

Your expert guidance and dedication
As always, your expert guidance and dedication to making sure we have the right cover in place - taking away the stress and confusion from an important part of our business operation is very much appreciated.
It's great having a team with your knowledge and customer-first attitude on hand to expertly guide us through the process each year and we are eternally grateful that you take all the stress away from the this for us when it comes round each year.
Bastion Architecture

Their understanding of the market we operate in and the clients we look after has come in very useful.
The team at Merlin have always been on hand to answer any queries and we are very pleased with the service we receive. The expert advice has been very helpful, but their understanding of the market we operate in and the clients we look after has come in very useful.
Hallas & Co, Chartered Surveyors

As our stock levels have grown, they have always adapted our insurances immediately.
We are a niche business with unique and complex products liability requirements, Merlin Insurance Brokers have been there to advise on our contractual requirements and ensure we are able to cover our risks. Also, as our stock levels have grown, they have always adapted our insurances immediately to ensure we are always covered.
British Medical Auctions