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Attracting and retaining skilled workers with Private Medical insurance in the construction sector

Written by Specialist Risk Insurance Solutions | December 11, 2025

The construction industry is facing an undeniable challenge: a persistent shortage of skilled labour. With over 140,000 job vacancies, the UK construction industry is experiencing a significant labour shortfall, delaying essential housing and infrastructure developments1.

However, demand for construction continues to rise, with projects growing and deadlines tightening. With over 75% of the current workforce projected to reach retirement age by 2035 and leave the sector2, the construction industry faces a crucial challenge, retaining experienced professionals while attracting fresh talent to the industry.

With the current cost of living crisis, desirable pay is a step in the right direction; however, this alone is often not enough to stand out. Increasingly, companies are turning to employee benefits such as Private Medical Insurance (PMI) to gain an edge.

The skills shortage: Why benefits matter more than ever

Employment in the construction sector has fallen by 10.8% since the Covid-19 pandemic3, with younger generations considering different career prospects4. Competition for talent is fierce, and workers are looking for more than just a day rate or salary. They want security, support, and proof that employers value their wellbeing.

This is where PMI comes in. It’s not just a health benefit; it’s a statement about company culture.

What is PMI?

PMI provides employees with faster access to healthcare, specialist treatment, and diagnostic tests outside the NHS system. For workers in physically demanding roles, this means shorter waiting times, faster recovery from injuries, and less time off work.

Key features typically include:

  • Quick access to consultations, scans, and surgery.
  • Cover for physiotherapy and rehabilitation.
  • Options for family or partner cover.
  • Specialist treatments for medical problems such as musculoskeletal conditions - common in construction.

How PMI attracts top talent

Offering PMI sets your company apart from competitors who focus only on wages. Skilled tradespeople, project managers, and engineers often weigh up benefit packages heavily when deciding where to work. A strong health plan signals that:

  • You invest in people, not just projects.
  • You prioritise wellbeing, creating a safer and healthier workplace.
  • You offer tangible, long-term value, not just short-term pay.

In recruitment conversations, PMI can be the deciding factor that draws candidates away from rival offers.

How PMI helps you keep your best people

Attracting skilled workers is only half the battle, retention is just as crucial. PMI helps you keep valuable employees engaged and loyal:

  • Reduced downtime: Workers can return to work more quickly after illness or injury.
  • Higher morale: Employees feel valued when employers support their health.
  • Lower turnover costs: Retaining trained staff avoids the cost and disruption of constant rehiring.

Making PMI work for your business

PMI doesn’t have to be expensive or complicated. Insurance brokers can help you:

  • Tailor cover to your workforce size and risk profile.
  • Find competitive rates by comparing multiple providers.
  • Ensure benefits include cover for the most common construction-related health issues.
  • Integrate PMI with other benefits, such as Accident or Income Protection insurance.

 In today’s market, skilled workers have choices, and they’re looking for employers who look after them. Private Medical insurance is more than a perk; it’s a powerful tool to attract, protect, and retain the talent that keeps your construction projects on track.

We are here to help

Whether you’re an SME or a large construction company, our specialist PMI and  Construction teams can help you retain and grow your workforce while strengthening your business with tailored PMI solutions. Contact us today to find out more.

Sources

  1. The UK Construction Skills Shortage Report 2025 - PFP Thrive
  2. Ibid.
  3. UK market intelligence: solving skills shortage | Turner & Townsend
  4. UK Construction Sector Warns of Labour Shortfall Amid Housing Push