Non-Negligent JCT 21.2.1 (or equivalent)

Clause 21.2.1 (or equivalent) is contained in the Joint Contracts Tribunal (JCT) standard form of building contract. This requires insurance to be arranged, in the joint names of the employer and contractor, to protect the employer in respect of their liability for any loss or expense arising from damage to surrounding property.


  • Experienced team of underwriters providing quick response to enquiries within 48 hours
  • Ability to write cover in isolation
  • Competitive premiums
  • Capacity to write cover up to £10 million limit of indemnity any one occurrence
  • Surveys can be undertaken if required

Best For

Cover can be offered for the majority of contracts where 21.2.1 (or equivalent) is required under the terms of the contract.

Summary of Coverage

21.2.1 (or equivalent) is purchased to provide protection against the 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

Cover is in the joint names of the employer and contractor.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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Our holistic portfolio of products includes more than 100 classes of specialty insurance

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Tokio Marine HCC is part of Tokio Marine, a $37 billion company

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