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Strada road construction facility

Specialist cover for highway construction and extensions

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Road and highway projects are essential to the UK’s infrastructure, but their evolving timelines, extensions, open-to-traffic phases and existing structures can create complex insurance challenges.

Marsh Risk’s Strada road construction facility is a bespoke insurance solution for UK road and highway contractors, designed around the practical realities of these projects. It brings together construction all risks (CAR) and third-party liability (TPL) cover, specialist road construction wording, and dedicated insurer support in a single, structured facility.

How Strada works and can help you

Road

Pre-arranged capacity

Strada provides access to dedicated insurer capacity from a select panel of experienced construction insurers, helping to give you greater confidence that suitable support is available for UK road and highway projects.

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Cover designed for road projects

Strada combines construction all risks (CAR) and third-party liability (TPL) cover with specialist wording for extensions, open-to-traffic phases, and existing structures, reflecting how road projects are actually delivered.

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Faster, simpler placements

By bringing together established Marsh expertise, defined insurer support, and an in-built signing provision, Strada can help streamline the quotation and placement process for complex road construction risks.

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Clearer claims support

An agreed claims protocol provides a consistent framework for managing incidents, helping enable faster and more coordinated claims responses while works continue across the project.

Frequently asked questions

Road construction insurance is designed for a construction project involving roads, highways, and related infrastructure. It can bring together contract works, liability insurance, and other relevant protection under a single policy, helping contractors manage the many risks involved in a specific project.

Construction insurance can provide protection during the construction period for property damage, bodily injury, site materials, temporary structures, temporary works, hired in plant, and removing debris. The scope of cover will depend on the insurance policy, the sums insured, the insured peril, and the project’s specific risks.

For eligible road projects, Strada provides cover for construction all risks and third-party liability exposures. This can help protect the insured property, equipment, and works where property caused by an insured event results in loss or damage.

Strada includes third-party liability insurance as part of its specialist road construction wording. Third-party liability cover can help address claims involving bodily injury, property damage, medical bills, legal fees, and certain financial losses arising from insured project activities.

The level of third-party liability protection should reflect the project, the contract requirements, and the potential liabilities faced by main contractors, subcontractors, and other stakeholders.

Professional indemnity insurance is generally considered separately from contract works and third-party liability arrangements. They may be relevant where defective design, professional advice, or professional fees create an exposure, but this will fall outside of Strada.

Your insurance broker can help determine whether separate indemnity insurance is needed alongside the Strada facility. As a chartered insurance broker, Marsh Risk can also help review the wider risk insurance requirements for a project.

Specialist cover may be relevant for a construction project, road extension, or highway scheme with complex phasing, existing structures, or open-to-traffic requirements. It can also support a construction process involving challenging site conditions, potential project delays, or a defined maintenance period.

A risk policy arranged on an annual basis may be suitable for some businesses. However, a specific project may require a dedicated insurance solution where the construction sites, contract value, costs, risks, and exposures are more complex.

Strada road construction facility

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