What is Clause JCT 6.5.1?

Clause 6.5.1 is contained in the Joint Contracts Tribunal (JCT) Standard Form of Building Contract. It requires insurance to be arranged, in the joint names of the employer and contractor, to protect the employer in respect of their legal liability for injury or damage to any property – other than damage caused by the negligence of the contractor or subcontractor.

What we cover

We offer JCT Clause 6.5.1 insurance to provide protection against an employer’s liability for expense, liability, loss, claims or proceedings that arise due to non-negligent damage to property (other than the contract works) while undertaking a building contract due to:

  • Collapse
  • Subsidence
  • Heave
  • Vibration
  • Weakening or removal of support
  • Lowering of groundwater

Pragmatic risk consultancy

We have an in-house team of risk consultants who specialise in the engineering and construction industry. From full site surveys to desktop reviews, we can offer technical advice on construction design and methods, project reviews and post-loss risk evaluations.

Additional information about cover

  • Protects the employer – in respect of their legal liability for expense, liability, loss, claims or proceedings that arise due to non-negligent injury or damage to any property while undertaking a building contract due to collapse, subsidence, heave, vibration, weakening or removal of support or lowering of ground water.
  • Property included – if it’s the employer’s own property and doesn’t constitute the contract works and third-party property.
  • Joint names of employer and contractor required – these are needed to ensure cover.
  • Excludes injury or damage – when cover is provided by any other insurance, which is the responsibility of the employer to insure (under paragraph C.1 of schedule 3 – Damage to existing structures and their contents for Specified Perils).

Excellent service, fast response

Telephone Magenta

Dedicated phone lines

It’s always easy to get in touch with us when you need.

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24-hour response

Quotation enquiries receive a response within 24 hours.

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Bespoke solutions

Our expertise means we can tailor cover to suit the specific needs of each business.

A fast, effective claims service

Get a fast response

With a notification within three hours, and an action plan within 48 hours, we put next steps and agreed progress updates in place, fast.

Stay involved

We work closely with you throughout the life of a claim. We ensure claims handling is tailored appropriately at all stages.

Know who to talk to

One person manages your claim from start to finish – so they know exactly what’s going on, and you know who to call.

Get it settled

We always focus on settling claims as quickly and fairly as possible.

Claims information for construction, engineering and renewables

Fast and efficient claims handling when you need it most – for the construction, engineering and renewable energy sector.

    • Fast, efficient service and impartial advice to agree the best course of action for each claim.
    • Face-to-face, on-site assessments carried out by specialist construction adjusters.
    • Our LAS team has instant access to RSA underwriting teams and policy details, enabling them to make quick claim decisions and authorise prompt claims payments to customers to help with cash flow for their business.


    • Claims above a certain size and complexity need a different, often project managed approach, so our large and major loss claims handling team is made up of our most experienced claims specialists.
    • The team have the skills to manage major events and protect your customers’ financial and reputational interests. 
    • We work with you and your customers to plan for serious losses with potential high impact to their business.
    • Our technical claims specialists will consider a potential high impact loss scenario, discuss how the policy may respond in the situation, what action we as an insurer may take, and if necessary what risk controls could be taken to prevent the incident ever taking place.

Case studies

Learn more about how our expert investigations lead to substantial claim payments.

  • A contractor was carrying out the conversion of a 100-year-old shop and flats into a doctor’s surgery. The works involved removal of the existing roof from both buildings, demolition of internal walls and floors and construction of a new wall. There was also some underpinning. The first sign of damage was cracking in the bathroom of a neighbouring property sharing a party wall.

    Generally, the readjustment of foundations after underpinning does not result in significant cracking to buildings. However, an engineer’s inspection concluded that the vibration and foundation adjustment from the underpinning work was responsible for the cracking.

    Claim settled for: £275,000
    Premium paid to RSA for JCT 21.2.1 cover: £3,500

  • A contractor was undertaking demolition and refurbishment works at three 18th century properties. Two of these were to be demolished and rebuilt, while the third was to be underpinned and refurbished.

    A JCT 21.2.1 policy was issued in the name of both the employer and contractor.
    In the property being refurbished, plaster was removed from a section of brickwork. Shortly after, this a section of brickwork actually fell out of the chimney. Cracks developed and after two weeks, damage was at such a level that a Dangerous Structure notice was served, resulting in a requirement for demolition of the property.

    The advice of expert engineers was sought. The opinion was that collapse was inevitable, although this could not have been reasonably foreseen. Therefore, indemnity was provided under the JCT 21.2.1 policy.

    Total claim payment: £993,903 (including £7,402 expenses)
    Damages included: £500,000 for demolition works and £393,000 for building works
    Premium paid to RSA for JCT 21.2.1 cover: £5,500

Downloads and documents

View and download our proposal form, brochure, wording and more.

Contact us for a quote

To find out more and get a quote, speak to our underwriting specialist in your region. They’ll be more than happy to answer any questions and can provide you with fast decisions.

Richard Hampson

Underwriting Leader, South

T 07768 143 084 richard.z.hampson@uk.rsagroup.com

Iain Geekie

Underwriting Leader, North

T 07771 975 081 iain.geekie@uk.rsagroup.com

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