JCT Clause 6.5.1 Insurance
Non-negligence cover for loss or damage to existing structures during construction works. UK brokers who understand JCT contracts inside out.
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Built for those working under JCT contracts
Main Contractors
You're managing the works and need Clause 6.5.1 cover for existing structures and new works under your JCT contract.
Property Developers
Commissioning new build, renovation, or refurbishment works. JCT contracts are standard. You need to understand your cover requirements.
Homeowners
Building an extension or conversion with a JCT contract. Clause 6.5.1 is likely required. We arrange it quickly and explain what's covered.
Six key covers in JCT insurance
Existing Structures
Damage to existing buildings and structures caused by the construction works, even without negligence. This is the core of JCT cover.
New Works
Cover for the new structures being built, from start of works through completion and handover.
Employer's All Risks
Protection for the building owner's interests if cover is held in their name rather than the contractor's.
Contract Works
Materials, labour, and works-in-progress during the construction period, including protection during transport to site.
Contractor's All Risks
Full coverage of the contractor's liability and third-party damages during the works period.
Claims Support
Our team steps in immediately when something goes wrong. We fight for fair settlement, not against your interests.
What exactly is Clause 6.5.1?
Clause 6.5.1 is a requirement in JCT (Joint Contracts Tribunal) contracts. It requires the contractor to hold insurance against loss or damage to existing structures and new works — not caused by negligence, but by the construction activity itself.
For example: vibration from piling cracks a neighbour's building. That's not negligence — but it's damage caused by the works. Standard liability insurance won't cover it. JCT 6.5.1 does.
Non-Negligence is the Key
Most insurances only cover negligence. JCT 6.5.1 covers accidental damage even without negligence — that's what makes it special.
Specified in the Contract
The contract will name who's responsible for holding JCT 6.5.1. Usually the contractor, but sometimes the employer. We check your contract and advise.
Covers Existing & New
It protects both damage to existing buildings and damage to the new works being constructed. Both are "at risk" during construction.
Compulsory, Not Optional
If your contract includes Clause 6.5.1, insurance is not optional. You need it before work starts. No insurance = breach of contract.
We know JCT contracts like no one else
We Place Hundreds of These Every Year
JCT Clause 6.5.1 is routine for us. We understand the contract wording, the cover requirements, and what insurers want to see.
We Review Your Specific Contract
Every contract is slightly different. We read yours, identify what's required, and make sure the cover you get actually meets the contract terms.
We Have Deep Insurer Relationships
Our panel includes Aviva, Zurich, Arch, and other specialist underwriters. We know their appetite for JCT risk and what they'll accept at competitive rates.
Claims Are Our Priority
When damage happens, insurers sometimes deny claims. We're in your corner. We help prove the claim, negotiate, and fight for fair settlement.
What happens when you need to claim
JCT insurance claims can be complex. Insurers may dispute whether damage falls within the cover. We handle all of this.
Notify Us Immediately
Call us as soon as damage occurs. Time matters — delay can affect the claim.
We Notify the Insurer
We submit notice in the correct form and include all relevant details and evidence.
Investigation & Assessment
The insurer (and sometimes a loss adjuster) investigates. We work with them and with you to prove the loss.
We Negotiate Settlement
If the insurer disputes the claim or undervalues it, we push back professionally and fight for a fair outcome.
Settlement & Resolution
Once agreed, the insurer pays. We make sure you understand what's covered and what happens next.
Call Us During a Claim
Don't submit claims yourself or assume the insurer will act in your favour. Call us immediately when you become aware of loss or damage.
0208 909 2899 — our claims team is here to protect your interests.
Your JCT Insurance Questions Answered
Get a Full JCT Insurance Quote
Tell us about your project and we'll arrange competitive quotes from our panel of specialist insurers.
JCT clauses are specific. Cover should be too.
Book a free 30-minute call with our JCT Insurance Specialist — no prep needed, no obligation.