Insurance News & Guides
Expert advice and guides on business insurance from the Moyak team.
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Your Subcontractor Just Went Bust: How Supply Chain Insolvency Is Rewriting Construction Contractor Insurance in 2026
For many construction contractors, the first sign of financial trouble is not an insolvency notice. It is a supplier asking for payment upfront, a subcontractor suddenly slowing down work, or a credit insurer quietly reducing the amount of cover available…
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The PI Exposure Hiding in Your Contract: Why Essex and London Contractors Need Professional Indemnity Cover in 2026
For many construction contractors, the most serious insurance gap is not hidden in a difficult claims form or an unusual exclusion. It is sitting in the contract that was signed at the start of the project. That is the practical…
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Under-11-Metre Cladding Fund: The 8-Week Window Open Now for Essex and London Contractors
Applications for the government’s new Under-11-Metre Cladding Fund opened on 17 August 2026. That means responsible entities in Essex, Kent, London and across England now have an eight-week window to apply, with applications closing on Friday 9 October 2026. This…
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The Skills Shortage Is Now an Insurance Problem: How the Expertise Drain Is Changing Construction Contractor Insurance in 2026
The UK construction skills shortage is no longer simply a recruitment or human resources issue. In 2026, it is becoming an underwriting issue, a contractual issue and, increasingly, a procurement issue. For contractors operating across Essex, Kent and London, the…
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Cladding Supplier Held 87.5% Liable and Overseas Parent Caught: The Mulalley v Sto Ruling Contractors in Essex and London Need to Know About
For contractors working across Essex, Kent and London, the recent Mullalley & Co Ltd v Sto Ltd & Sto SE & Co KGaA [2026] EWHC 1552 (TCC) judgment is important for two reasons. First, it shows that a contractor with…
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Modern Methods of Construction Are Changing Your Insurance Risk: What Essex and London Contractors Need to Know
Modern Methods of Construction (MMC) are changing the way projects are designed, manufactured and delivered across Essex, Kent and London. Off-site fabrication, volumetric modular construction and structural timber can help contractors build faster, reduce waste and improve quality control, but…
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Why Your Annually Renewable Liability Insurance Isn’t Dropping Like PI: What Essex and London Contractors Need to Know in August 2026
For construction contractors, the 2026 insurance market is moving in the right direction, but not every policy is softening at the same speed. Professional indemnity insurance has seen some dramatic reductions for quality risks, with cuts of around 15–20% achievable…
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Courts Can Now Reach Your Whole Company Group: What the Latest Building Liability Orders Mean for Construction Contractor Insurance
For years, many construction groups operated on the assumption that separate legal entities created a practical barrier between one company’s liabilities and the rest of the group. A contractor, project company or supplier could carry out the work, while valuable…
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You Signed a Design and Build Contract: Here’s What Your Construction Contractor Insurance Needs to Cover
If you run a construction firm in Essex, Kent, or London, chances are you have signed: or been asked to sign: a Design and Build (D&B) contract. Over the past decade, D&B has become the default procurement method for everything…
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The Expertise Drain: DUAL UK’s Steve Kelly on Why Your Construction Contractor Insurance Is Getting Harder to Price
When we talk about the pressures facing the UK construction sector, the conversation usually circles back to labour shortages, material costs, or planning delays. But last month, in an illuminating interview with Insurance Business UK published on 5 August 2026,…