How we helped Berkshire building contractors risk less on JCT contracts

June 25, 2025

The risk

Meet Stephen Blunt, Managing Director of Morris + Blunt, a well-established building contractor in Berkshire. Morris + Blunt are well-known for their work with local authorities, schools and public spaces, and rated by their customers for quality workmanship, communication and attention to detail on complex and challenging projects.

With such a reputation to protect, Stephen and his team are fastidious about their responsibility as a contractor, and as an employer. And with strong social and ethical values, Morris + Blunt are hot on compliance and governance.

But Morris + Blunt often work with JCT contracts, which can be complex, full of amendments and open to misinterpretation. And navigating non-negligent damage, joint names cover, specific contract risks and regular changes to legislation make insurance for builders even more time-consuming.

Morris + Blunt needed regular, straight-talking insurance advice to remove the headache of sifting through schedules of amendments and working out if end-customer insurance requests were workable. And Stephen wanted to reduce his liability and risk less.

The relief

As a broker, we have access to the whole market. So we found the best possible Contractors Combined Insurance for Morris + Blunt. But finding the insurance is really only a small part of what we do for Stephen and his team.

We’re here to advise when Morris + Blunt win a new building contract. We’re here to advise when legislation changes affect liability. And we’re here to advise on the feasibility of contractual insurance requirements. In fact, we provide insurance and reassurance for Stephen all year round.

“Macbeth is more like an advisor than a broker. Barry always gives us brilliant advice and makes everything so easy. It’s incredibly reassuring to know that someone’s on the end of the phone when we need them. Macbeth’s service is highly personal and Barry and the team are genuinely invested in the success of our business; they help us reduce our risk and protect our reputation.”
– Stephen Blunt, Managing Director, Morris + Blunt

And when Morris + Blunt need us to speak to the employer on their behalf to work out what insurance they’re contractually obliged to have in place? We can do that too.

“We’re confident in the advice we receive from Macbeth and the program of cover they put in place for us.”
– Steve Manstone, Construction Manager, Morris + Blunt

Morris + Blunt are exceptional at what they do. They have effective risk management practices, and rigorous health and safety procedures in place. And so far, they’ve never needed to make a claim.

Because that’s the thing about insurance. We always hope our clients never have to make a claim. But if Morris + Blunt ever need to make a claim, they can relax knowing their insurance is watertight. Especially when it comes to complicated JCT contracts.