How the 2026 5-Star Construction List Was Built
Insurance Business UK has released its 5-Star Construction 2026 special report, a broker-informed review of insurers serving the UK construction sector. The research was run through the title's national broker network rather than through direct customer surveys or claims data.
In the first phase, brokers were asked to nominate insurers they had worked with in construction. Insurers with enough nominations were invited to submit detailed information about their construction capabilities. Those submissions covered underwriting expertise, risk appetite, construction-specific products, responsiveness, pricing competitiveness and service standards.
Final scores were driven mainly by broker ratings on key performance indicators, with additional weight given to consistency of service and the level of support provided to construction clients and brokers. The 5-Star Construction designation went to organisations that met the required broker ratings and showed high performance across underwriting, product offerings and service delivery.
The announcement itself does not list the individual winners; the full list, research findings and industry insights are available in the free 2026 report from Insurance Business UK.
What Broker-Led Ratings Mean for Construction Insurance
Why the process leans on broker experience
The construction insurance market is highly intermediated, so the report's emphasis on broker nominations makes practical sense. Because final scores were driven primarily by broker ratings, the 5-Star list is best understood as a measure of which insurers UK brokers currently regard as reliable construction partners.
What the 5-Star label can and cannot tell buyers
The designation signals strength in underwriting expertise, risk appetite, construction-specific products and service, according to the research criteria. But it is not an independent assessment of insurer financial strength, claims-paying ability or long-term pricing. Brokers and construction clients should treat it as a useful shortlist input rather than a substitute for their own due diligence.
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