Insurance News & Guides
Expert advice and guides on business insurance from the Moyak team.
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Two Days to Comply: The £60,000-a-Worker Right-to-Work Trap Facing Every Contractor From 1 October 2026
Construction contractors have two days to prepare for the biggest expansion of the UK right-to-work regime since it began in 2006. From 1 October 2026, a contractor may face a civil penalty of up to £60,000 for each illegal worker…
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A £1.15m Month: 5 Things Every Contractor Must Know About HSE Fines, Employers’ Liability and What Insurance Actually Pays
September 2026 has been an unusually heavy month for Health and Safety Executive enforcement in construction. On 9 September, Appledorn Developments and T Vaughan Limited were fined £500,000 and £650,000 respectively after the death of Gheorghita Arsene in a trench…
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£20m Gone, Nothing Recovered: 5 Insurance Checks the Torsion Collapse Demands of Every Contractor
Torsion Construction entered administration on 29 July 2026. The Leeds contractor, which worked across student accommodation and build-to-rent projects, had grown turnover from £57m in 2023 to £165.4m in 2025, with around 115 employees. Then the position changed sharply. In…
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Signing a JCT Contract? 5 Insurance Clauses That Can Leave Your Cover Void (2026 Guide)
Signing a JCT contract is usually seen as a positive step. The project is agreed, the price has been negotiated and work can finally be scheduled. But the insurance wording deserves just as much attention as the scope of works.…
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HMRC Is Coming for Your Subcontractor Chain: 5 Checks Every Contractor Must Make Before the Next CIS Audit (2026 Rules)
The Construction Industry Scheme has always required contractors to verify subcontractors, apply the correct deductions and submit accurate returns. Since 6 April 2026, however, the risk has moved further up the chain. Under HMRC’s new CIS fraud regime, a principal…
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Can a Building Liability Order Reach Your Company? 5 Lessons From the Ardmore Collapse Every General Contractor Needs
For general contractors, the Ardmore collapse is a warning that historic building safety liabilities can move far beyond the company that originally carried out the work. It is also a reminder that General Contractor Liability Insurance is not automatically designed…
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42% of Small Businesses Were Hacked in 2025 : Is Your Construction Firm Next? (5-Minute Cyber Check for Contractors)
Cyber risk is no longer an office-only problem. For construction contractors, it now sits inside the everyday workflow: BIM models, project portals, payment instructions, subcontractor records, email accounts and cloud-based document systems. The headline figure is difficult to ignore. Around…
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The 2026 Rate Drop Is Real : So Why Is Your General Contractor Liability Insurance Renewal Still Going Up? (5 Fixes That Work)
The UK construction insurance market is softening in 2026, but that does not mean every contractor will automatically receive a cheaper renewal. In fact, many well-managed construction businesses are seeing better terms. New capacity has entered the market, insurers are…
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£1.15m in Fines for a Trench Death: What Every Groundworks Contractor Needs to Understand About Insurance
A fatal trench collapse on a construction site in Banstead, Surrey has resulted in more than £1 million in criminal fines, alongside a suspended prison sentence for a contracts manager. The case is a serious reminder for groundworks contractors, demolition…
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Nearly 100 Cases, £1.2bn in Dispute: The Cladding Litigation Wave Reaching Every Corner of Construction
Almost 100 cladding, building and fire-safety cases are now active in London’s High Court, with a combined value of about £1.2bn, according to litigation intelligence platform Solomonic and reporting published by the Financial Times on 8 September 2026. That figure…