Contract Works Insurance covers physical loss or damage to a construction or renovation project during the works, including materials on site, from events such as fire, storm, and theft. It's typically arranged for the duration of the project, ending at practical completion or handover.
Many head contracts and council requirements call for this cover before works can begin, and it can extend to cover principal-supplied materials and existing structures being worked on. We help you arrange cover that matches the contract value and project timeline.
Click on a sector to learn more about other insurances that may be needed to protect your business.
The total contract value of the project you want insured.
Details of the principal contractor and any subcontractors working on the project.
A description of the works, including location, project type, and expected duration.
The details of any contract works claims made in the past 5 years.
Commercial Property covers a completed building. Contract Works covers a project while it's still under construction, ending once the works are complete.
Contract Works covers physical damage to the project. Public & Products Liability covers third-party injury or property damage claims arising from the work — the two are usually arranged together on a construction project.
Contract Works covers the project itself, including materials and structures. Plant, Equipment & Machinery covers the equipment used to carry out the work, which is a separate exposure.
