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Contract works insurance

Take a look at our guide to contract works insurance to see if you could benefit from the cover.

Contract works is a collection of policies specifically designed to provide protection for works in progress on construction sites, including projects taking place both on public and privately owned properties. Contract works insurance can provide protection for a few different elements of ongoing, uncompleted contract works, such as:

  • Partially-completed buildings and structures.
  • Unused materials left on site.
  • Additional labour costs.

Contract works insurance could provide financial assistance if an element of your works in progress suffers from damage or theft. Let’s consider an example.

If an unexpected incident, such as a severe flood, causes damage to a building you have begun to construct - as well as raw materials you left on site - it could cost you money for the extra labour to repair damages, as well as for replacement materials. In this situation, a contract works policy could provide financial reimbursement for these unforeseen expenses.

It’s important to note that, in this situation - even if you have stock insurance to cover your raw materials, and the site owner or client had buildings insurance in place - you will probably still need specialised contract works cover to protect stock while it’s on site. The same applies to buildings that are not yet completed.

Who needs contract works cover?

Contract works can be beneficial to many traders in the construction industry, such as contractors and tradesmen, who regularly carry out work on construction sites.

Examples of some of the specific traders that could benefit from contract works cover include:

  • Builders.
  • Building contractors.
  • Property developers.
  • Electricians.
  • Double glazing installers.
  • Shop fitters.
  • Bricklayers.
  • Carpenters and joiners.
  • Plasterers.
  • Floor and wall tilers.

Contract works insurance could also be beneficial to non-tradesmen, such as homeowners carrying out private renovation works on their properties, or landlords of rental properties.

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