Contractors’ All Risk / Contract Works Insurance

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Essential insurance protecting works in progress for civil engineering and construction projects

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We compare quotes from leading construction & civil engineering insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

CONTRACTORS’ ALL RISK / CONTRACT WORKS INSURANCE

Why Contract Works Insurance Is Essential

Contractors’ All Risk insurance protects construction works while they are in progress. It provides vital cover for damage caused by fire, flood, theft, vandalism, storm and accidental loss, ensuring projects can continue even after major incidents.

What Contractors’ All Risk Insurance Covers

Comprehensive protection for works in progress on construction and civil engineering sites.


  • Damage to contract works during construction
  • Fire, flood, storm and accidental damage
  • Theft or vandalism of materials on site
  • Temporary works damage
  • Plant, machinery and hired-in equipment (optional)
  • Materials in transit or stored on site

Who Needs Contract Works Insurance?


  • Civil engineering contractors
  • Groundworks and infrastructure specialists
  • Main contractors and principal contractors
  • SMEs undertaking commercial construction projects
  • Contractors working under JCT or NEC contracts
  • Projects requiring lender or client insurance compliance

Why Choose Insure24


  • Experience with civil engineering and infrastructure risks
  • Policies aligned with contract and lender requirements
  • Fast certificates for tenders and site access
  • Flexible cover for single or annual projects

FREQUENTLY ASKED QUESTIONS

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What is Contractors’ All Risk insurance?

Contractors’ All Risk insurance covers construction works in progress against accidental damage, loss, fire, flood and theft during the build period.

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Is contract works insurance required by clients?

Yes. Many clients, developers and lenders require evidence of Contractors’ All Risk insurance as part of contract conditions.

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Does it cover subcontractors?

Contract works insurance can be structured to include subcontractors, depending on policy wording and contractual responsibilities.

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Does it cover materials off-site?

Some policies include cover for materials in transit or stored off-site, subject to policy limits and conditions.

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When should Contractors’ All Risk insurance start?

Cover should start from commencement of works and remain in place until practical completion or handover of the project.

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