Temporary Works & Sub-contractor Risk Insurance

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Specialist insurance for temporary works, subcontractor exposure and complex multi-contractor construction sites

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GET A QUOTE NOW

We compare quotes from leading construction insurers

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

TEMPORARY WORKS & MULTI-CONTRACTOR PROJECT INSURANCE

Why Temporary Works Insurance Is Critical

Temporary works such as scaffolding, formwork, hoardings and falsework introduce significant risk on construction sites. When multiple subcontractors are involved, responsibility and liability can become complex. Specialist insurance helps protect against collapse, failure and third-party claims.

What Temporary Works & Sub-contractor Risk Insurance Covers

Protection for complex sites involving multiple contractors and temporary structures.


  • Collapse or failure of temporary works
  • Damage caused by scaffolding, formwork or falsework
  • Sub-contractor negligence and site-wide liability
  • Injury to third parties or site personnel
  • Damage to permanent works caused by temporary structures
  • Contractual liability under principal contractor duties

Common Risks on Multi-Contractor Construction Sites


  • Scaffold collapse or structural failure
  • Unclear responsibility between contractors
  • Damage caused by one trade impacting others
  • Injury caused by shared temporary works
  • Interface risks between subcontractors
  • Contractual disputes following site incidents
  • Damage to neighbouring property or infrastructure
  • Delays and rework following temporary works failure

Who Needs Temporary Works Insurance?


  • Main and principal contractors
  • Design & build contractors
  • Civil engineering and infrastructure projects
  • Projects using extensive scaffolding or formwork
  • Sites with multiple subcontractors operating simultaneously
  • High-risk or technically complex construction works

Why Choose Insure24


  • Experience with complex, multi-contractor risks
  • Policies aligned with principal contractor obligations
  • Cover structured around temporary works design responsibility
  • Fast support for tenders and contract requirements

FREQUENTLY ASKED QUESTIONS

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What are temporary works in construction?

Temporary works include structures such as scaffolding, formwork, falsework and shoring that are required during construction but are not part of the permanent works.

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Does Contractors All Risk insurance include temporary works?

Some Contractors All Risk policies include limited temporary works cover, but complex or high-risk temporary works often require specific extensions or bespoke cover.

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Who is responsible for temporary works failure?

Responsibility depends on contractual arrangements, design responsibility and site control. Insurance should be structured to reflect principal contractor and subcontractor duties.

+-

Is this insurance required for multi-contractor projects?

Many developers and principal contractors require evidence of appropriate insurance where multiple contractors operate on the same site, particularly involving shared temporary works.

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When should temporary works insurance be arranged?

Temporary works insurance should be arranged before construction begins, especially where specialist designs, high loads or complex site conditions are involved.

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