Contractors’ All Risk / Contract Works Insurance

Protect your building projects, materials, temporary works, tools, plant and ongoing construction with specialist Contract Works insurance for UK contractors and trades.

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We compare quotes from leading construction insurers

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

CONTRACT WORKS COVER FOR BUILDERS, TRADES & CONTRACTORS

  • Materials icon

    MATERIALS & WORK IN PROGRESS

  • Plant icon

    OWNED & HIRED-IN PLANT

  • Tools icon

    TOOLS & EQUIPMENT

  • Temporary works icon

    TEMPORARY WORKS

Protecting the Parts of a Build That Aren’t Covered by Liability Insurance

Public liability only covers damage you cause to others - not damage to your own project, materials or work in progress. Contract Works insurance protects the physical part of the project itself, from the first delivery of materials through to handover.

What Contractors’ All Risk / Contract Works Insurance Covers

Flexible cover for domestic, commercial and renovation projects.

Construction Risks Covered

  • Damage to work in progress from fire, flood, storm or vandalism
  • Materials on site, in storage or in transit to the site
  • Temporary works such as scaffolding, hoardings and formwork
  • Structures being altered, extended or refurbished
  • Collapse, subsidence, water damage and accidental damage

Plant, Tools & Equipment

  • Owned plant such as diggers, cement mixers and compressors
  • Hired-in plant, including continuing hire charges
  • Tools and small equipment - on site, in transit, or from vehicles
  • Site huts, welfare units, cabins and storage units
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Who Needs Contract Works Insurance?

Small Builders & Trades

  • General builders
  • Carpenters, joiners, roofers, bricklayers, groundworkers
  • Kitchen & bathroom installers
  • Electricians & plumbers (doing installation work)
  • Renovation, extension and refurbishment contractors

Main Contractors & Principal Contractors

  • Housebuilders & developers
  • Commercial build contractors
  • Fit-out & shopfitting firms
  • Structural and heavy construction contractors
  • Firms required by contract to insure works up to handover
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Common Claims Contract Works Covers

  • Storm damage to part-built extensions
  • Fire at a refurbishment site damaging new materials
  • Flooding or water escape damaging works and flooring
  • Vandalism, arson or theft of materials
  • Collapse of temporary works or scaffolding
  • Damage to works caused by third parties on site

Why Contract Works Matters

Without Contract Works cover, you may need to pay to redo the damaged work yourself, even if it wasn’t your fault. Many contracts (including JCT) require builders to insure the works until completion or practical handover.

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Why Choose Insure24 for Contractors’ All Risk Insurance?

  • Specialist construction insurance expertise
  • Policies tailored to project size and scope
  • Options for owned and hired-in plant
  • Flexible cover for short-term or annual projects
  • Help interpreting JCT and contractual insurance requirements
  • Fast quotes and simple documentation

We Help Contractors Meet Contract & Site Requirements

  • Ensure Contract Works sums insured meet project values
  • Support arranging principal-controlled vs contractor-controlled cover
  • Guidance on temporary works & site security requirements
  • Help with risk information for insurers to improve premiums
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How to Arrange Contract Works Insurance

  • 1. Provide project details: type of work, values, duration, location.
  • 2. Choose cover limits: works value, temporary works, plant and tools.
  • 3. Select plant cover: owned plant, hired-in plant or both.
  • 4. Get tailored pricing: annual or single project cover options.
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Quote

We had a flood at a refurbishment site and Contract Works covered the materials and labour to redo the damaged works. Insure24 handled everything quickly.

Chris L, Refurbishment Contractor

SPECIALIST CONTRACT WORKS INSURANCE
TAILORED FOR YOUR PROJECTS

PROTECT YOUR PROJECTS

  • Fire, flood, storm & accidental damage
  • Theft of materials & equipment
  • Damage to temporary works
  • Owned & hired-in plant
  • Work in progress up to handover
SPEAK TO A CONSTRUCTION SPECIALIST GET MY CONTRACT WORKS QUOTE

FREQUENTLY ASKED QUESTIONS

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What does Contract Works insurance not cover?

It normally excludes defective workmanship, design errors, wear and tear, and damage to existing structures unless specifically included. We will guide you through any exclusions.

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Do I need Contract Works if my main contractor has it?

It depends who is responsible for insuring the works under the contract (e.g. JCT clauses). If the main contractor’s policy does not extend to all subcontractors, you may still need your own cover.

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How is the sum insured calculated?

Usually the maximum value of works on site at any one time, including materials, temporary works, and labour. For annual contractors, we help estimate this based on your project cycle.

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Is Contract Works insurance needed for domestic jobs?

Yes - if you are responsible for the project until completion, you may need to insure the materials and works, even on small domestic extensions or refurbishments.

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Can I get single project Contract Works insurance?

Yes. Single project cover is available for larger or one-off jobs. Annual policies may be more cost-effective for contractors doing ongoing projects.

Related Covers

Contract works pages should keep users focused on project damage, plant exposure and site obligations. These links connect contract-works questions to the strongest project and plant pages in construction insurance.

Project Cover

Plant and Equipment

Planning and Contracts