Construction projects involve significant financial investments, complex contractual relationships and a wide range of operational risks. Whether developing residential properties, commercial buildings, hotels, infrastructure projects or tourism facilities, effective risk management is essential for protecting investments and ensuring project continuity.

From project planning and construction phases to completed operations, construction businesses face potential exposures including property damage, third-party liability, workplace accidents, equipment breakdown and project delays. We consult construction companies, developers, investors and contractors with identifying risks and arranging tailored insurance solutions designed to support projects throughout their lifecycle.

Property Developers & Investors

Property developers and real estate investors often manage substantial investments that require comprehensive insurance protection from the earliest stages of a project.
Whether developing residential complexes, commercial properties, hospitality facilities or mixed-use developments, insurance should be considered an integral part of project planning.

Insurance considerations may include:

• Construction All Risks Insurance
• Third-Party Liability Insurance
• Existing Property Protection
• Investor Liability Exposure
• Delay in Project Completion Risks
• Completed Property Insurance

​Appropriate insurance protection helps safeguard investments while providing confidence to lenders, partners and stakeholders.

Construction Companies & Contractors

Construction companies face numerous operational risks on a daily basis. Site activities, subcontractors, heavy machinery and employee safety all create potential exposures that can impact project timelines and financial performance.

Typical insurance solutions include:

• Contractors All Risks (CAR) Insurance
• Public Liability Insurance
• Employers' Liability Insurance
• Professional Liability Insurance
• Construction Plant & Machinery Insurance
• Fleet Insurance

A well-structured insurance programme helps contractors manage risks while meeting contractual and regulatory requirements.

Civil Engineering & Infrastructure

Infrastructure and civil engineering projects often involve increased complexity, larger contract values and longer construction periods.
Projects such as roads, utilities, public infrastructure and industrial facilities require specialised risk assessment and insurance planning.

Coverage may include:

• Construction All Risks Insurance
• Third-Party Liability Insurance
• Equipment Insurance
• Professional Liability Insurance
• Environmental Liability Considerations

Each project should be evaluated individually to ensure adequate protection throughout the construction process.

Construction Plant & Equipment

Construction machinery represents a significant investment and is often critical to maintaining project schedules.
Damage, theft, breakdown or operational incidents can lead to substantial financial losses and project delays.

Insurance solutions may include:

• Contractors' Plant & Machinery Insurance
• Equipment Breakdown Insurance
• Theft Protection
• Mobile Equipment Insurance
• Fleet and Commercial Vehicle Insurance

​Protecting valuable equipment helps minimise operational disruptions and unexpected expenses.​

Architects, Engineers & Consultants

Professional service providers within the construction industry face unique liability exposures arising from design, planning and project management responsibilities.
Even minor errors or omissions can result in significant financial consequences and legal claims.

Insurance considerations often include:

• Professional Indemnity Insurance
• Public Liability Insurance
• Cyber Insurance
• Office and Business Insurance

​Professional liability protection is increasingly important for firms involved in complex development and construction projects.​

Typical Construction Insurance Solutions

Construction projects frequently require a combination of insurance products designed to address both operational and financial risks.

Typical solutions may include:

• Construction All Risks Insurance
• Public Liability Insurance
• Employers' Liability Insurance
• Professional Indemnity Insurance
• Construction Plant & Machinery Insurance
• Fleet Insurance
• Property Insurance
• Cyber Insurance
• Directors & Officers Liability Insurance

​The appropriate structure will depend on the nature, scale and complexity of each project.

Why Work With Insurance Brokers Croatia?

We understand the challenges faced by construction companies, developers and investors operating in Croatia.
Our experience allows us to assist clients throughout the project lifecycle, from initial planning and financing stages to project completion and ongoing operations.

We work with:

• Property Developers
• Construction Companies
• General Contractors
• Civil Engineering Firms
• Architects and Engineers
• Real Estate Investors
• Hospitality Development Projects

We can help clients identify risks, protect investments and arrange insurance solutions tailored to their specific business activities.

Request a Complimentary Insurance Review

​Whether you are planning a new development, managing an active construction project or expanding your investment portfolio in Croatia, our team can help you assess risks and identify suitable insurance solutions.
Request a Complimentary Insurance Review and discuss your project requirements with our specialists.

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