Renovation and refurbishment projects often involve working on existing structures, occupied premises, heritage buildings or high-value fit-outs. The right insurance can cover the works in progress, your tools and equipment, liability to clients and the public – and, where required, damage to existing structures.
Combined protection for contracting businesses carrying out alteration, fit-out and refurbishment works.
“Our refurbishment projects often involve working in occupied buildings. Insure24 helped us put in place a contractors’ package that satisfies client requirements and gives us confidence our work is properly insured.”
Refurbishment Contractor, UKWhat is Contract Works insurance for renovators?
Does my policy cover damage to existing structures?
Do I need Employers’ Liability if I only use labour-only subcontractors?
Can I include tools and plant on the same policy?
What information is needed for a quotation?
Defects Liability Insurance (often described as post-completion cover) is designed to protect construction clients, developers, principal contractors, and sometimes funders ag…
Construction sites run on machines. Whether you’re operating a mini digger on a domestic extension, moving aggregates with a dumper, or shifting pallets with a wh…
Construction plant hire is a high-value, high-risk business. You’re lending out expensive machinery to customers working in unpredictable environments, often on tight de…
Temporary works are the unsung heroes of construction. They make permanent works possible—supporting excavations, holding up formwork, providing access, and keeping people saf…
Scaffolding is one of the most high-risk trades in construction. You’re working at height, often in busy public areas, with heavy materials, tight deadlines, and multiple…
Demolition is one of the highest-risk activities in construction. You’re dealing with unstable structures, heavy plant, hazardous materials, tight urban …
A loft conversion is one of the most popular ways to add space and value to a UK home. But it also changes the risk profile of the property overn…
Planning a home extension or major renovation is exciting, but it also changes your risk overnight. Once you start knocking through walls, removing…
Infrastructure projects—roads, bridges, drainage, utilities, groundworks and wider civil engineering—carry a different risk profile to typical b…
Commercial construction projects carry higher values, tighter deadlines, more stakeholders, and more complex risks than many d…
Residential construction is high-stakes. Whether you’re building a new home from the ground up or renovating a lived-in pr…
If you’re a handyman doing multi-trade or general construction work, you’re probably switching b…
If you repair appliances or work on construction sites, you’re often operating in someone else&rsqu…
Gutter and window cleaning looks simple from the outside, but insurers see a high-risk mix: wo…
Tree surgery is one of those trades where “a normal day at work” can involve chainsaws, chippers, working at height, falling timber, traffic manage…
Locksmithing is one of those trades where the work looks simple from the outside—until you’re the one on a doorstep at 10pm, dealing with a …
If you’re a UK gas engineer—especially if you’re Gas Safe registered and regularly installing, servicing, or repairing…
If you’re a heating engineer, air conditioning installer, or HVAC service contractor, your day-to-day work sits right at the crossroads of constructi…
Carpenters and joiners sit at the heart of UK construction. From first-fix structural timber to second-fix finishing, bespoke joinery, sh…
Plumbing is one of those trades where a small mistake can turn into a very expensive problem&md…
Electricians sit right at the centre of the UK construction and maintenance world. Whether you’re wiring a new-build, upgrading a consumer unit in…
Bricklaying is one of the most hands-on trades in construction. You’re working with heavy materials, power tools, scaf…
Groundworkers are the first trade on site and the last line of defence before the build goes vertical. You’re dealing with excavation, drainage…
Glaziers work with fragile, high-value materials, at height, and often on live sites …
Plastering is one of those trades that looks straightforward from the outside—until you’re the one carrying boards up stairs, mixing materials on a busy site, a…
Roofing is one of the highest-risk trades in UK construction. You’re working at height, dealing with weather, handling…
Construction site insurance (often called contractors’ all risks or contract works insurance) is designed to protect a building pr…
If you’ve ever opened a JCT contract and felt your eyes glaze over at the insurance options, you’re not alone. JCT cont…
Construction plant insurance (often called contractors’ plant insurance) protects the machinery, tools, and …
Erection All Risks (EAR) insurance is a specialist construction insurance policy designed to protect projects where the main exposure is …
Construction is one of the most risk-heavy industries in the UK. Projects involve high-value …
Economic uncertainty presents unique challenges for the construction industry. From fluctuating material costs to project delays and contractor insolvencies, turbulent economic periods demand robust ins…
The start of a new year brings fresh opportunities for construction businesses across the UK. Whether you're planning residential developments, commercial builds, or infrastructure projects, January marks a c…
Winter presents unique challenges for the construction industry. As temperatures drop and weather conditions deteriorate, construction sites face increased risks that can lead to costly delays, accidents…
Professional Indemnity Insurance stands as a critical safeguard for architects and engineers operating in today's complex construction and design landscape. This specialized…
Latent defects insurance represents a critical component of risk management in the construction and property development sectors. This specialized form of coverage protects property owners, developers…
Construction retention is a standard practice in the building industry, but it can create significant cash flow challenges for contractors and subcontractors. When clients withhold a percentage…
In the construction industry, the completion of a project doesn't mark the end of responsibility. Defects can emerge months or even years after handover, leaving contractors, developers, and proper…
The construction plant hire industry forms the backbone of countless building projects across the UK. From excavators and bulldozers to cranes and scaffolding, plant hire businesses provide es…
The construction industry in the UK faces unique risks daily, from equipment damage and public liability claims to professional indemnity issues and project delays. Choosing the right insurance provider can …
Renewing your construction insurance is one of the most critical tasks you'll undertake as a business owner in the building trade. Whether you're a general contractor, specialist tradesperson, or constr…
Choosing the right insurance for your construction business is one of the most critical decisions you'll make as a business owner. With the inherent risks involv…
Choosing the right insurance for your building business can feel overwhelming. Whether you're running a large construction firm or working as a self-employed tradesman, understanding the …
When it comes to protecting your business and assets, understanding the different types of insurance available is crucial. Two of the most commonly discussed insurance policies are car insurance…
Meta Description: Comprehensive guide to construction insurance for large contractors. Learn about enterprise coverage, risk management, liability protection, and essential policies for m…
Running a micro construction business comes with unique challenges. Whether you're a sole trader plasterer, a small team of roofers, or a two-person tiling operation, managing costs while p…
Construction sites face unique vulnerabilities when it comes to weather-related damage. From sudden storms to prolonged periods of adverse conditions, the British weather can wreak havoc on buildi…
Tool theft on construction sites represents one of the most persistent and costly challenges facing the UK construction industry. With millions of pounds worth of equipment stolen annually, construc…
Construction sites are among the most hazardous work environments in the UK. With heavy machinery, working at height, electrical systems, and multiple contractors operating simultaneously, the…
The construction industry faces unique risks that can result in costly insurance claims. Understanding the most common claims and implementing effective prevention strategies can protect you…
The construction industry remains one of the most hazardous sectors in the UK, with workers facing daily risks from working at height, operating heavy machinery, and exposure to hazard…
Scaffolding contractors face unique risks every day. From working at height to managing expensive equipment and navigating complex liability issues, the scaffolding industry demands specialized insurance p…
Demolition work represents one of the most hazardous activities in the construction industry. From bringing down multi-storey buildings to dismantling industrial structures, demolition contractors face uni…
Loft conversions have become one of the most popular home improvement projects in the UK, offering homeowners a cost-effective way to add valuable living space without the expense and hassle…
Home extensions and renovations represent significant investments for UK homeowners. Whether you're adding a conservatory, building a loft conversion, or completely refurbishing your k…
Essential Coverage for Your Office and Retail Construction Investments
Commercial construction projects for office buildings and retail spaces represent significant financial investments. Whet…
Building or renovating a residential property is an exciting but complex undertaking. From foundation work to final finishing touches, countless risks can…
Appliance repair businesses operate in a high-risk environment where customer property is constantly at stake. Whether you're repairing a washing machine, refrigerator, dishwasher, or any other ho…
Published on 4 November 2025 | Reading time: 12 minutes
Running a handyman business means juggling multiple trades, unpredictable situations, and significant liability risks. Whether …
Gutter cleaning is a high-risk trade that exposes workers to significant occupational hazards, particularly falls from height. Whether you're a self-employed gutter cleaner or operat…
Window cleaning is one of the UK's most hazardous professions. Whether you're a sole trader cleaning residential properties or managing a team working on high-rise commercial buildings, the ri…
Running a locksmith business comes with unique risks and responsibilities. Whether you're a sole trader responding to emergency call-outs or managing a team of technician…
Essential protection for heating and HVAC professionals
Heating engineers and HVAC professionals operate in a highly regulated and technically demanding in…
Bricklaying is a skilled trade that involves significant risks—from working at heights and handling heavy materials to potential damage claims and workplace injuries. Whether you're a self-employed …
Groundworkers face some of the most demanding and hazardous conditions on any construction site. From excavating foundations to managing underground utilities, the risks are substantial and multifaceted.…
Essential coverage for arborists managing hazardous operations and valuable equipment
Tree surgery is one of the most hazardous prof…
As an electrician, your work is essential to keeping homes, businesses, and industrial facilities powered and safe. Whether you're rewiring residential properties, installin…
Essential coverage for glass installation professionals and breakage risks
Working as a glazier involves inherent risks that extend far beyond simply replaci…
Carpentry is a skilled trade that demands precision, expertise, and dedication. Whether you're a self-employed joiner, a small carpentry team, or managing a larger construction outfit, the ris…
Gas engineers and heating technicians face unique risks in their daily work. From boiler installations to emergency repairs, the potential for costly claims is significant. This comprehensive guide …
Water damage claims represent one of the most significant financial risks facing plumbing professionals in the UK. A single installation error or negligent repair can re…
Running a roofing business comes with significant risks. From working at heights to handling expensive equipment, roofers face unique challenges that standard business insurance simply doesn't cov…
Understanding the critical gaps in your construction insurance policy
Construction is one of the UK's most hazardous industries. Every single day, constructio…
When accidents, damage, or losses occur on a construction site, knowing how to navigate the insurance claims process can make all the difference. This comprehensive guide walks you through each stage o…
Construction defects can emerge long after project completion, creating significant financial and reputational risks for builders, contractors, and developers. Construction Defects…
Construction plant and equipment represent significant investments for any building or civil engineering company. Whether you own your machinery outright or regularly hire equipment for specific …
A comprehensive guide to protecting your construction projects with EAR insurance
Erection All Risks (EAR) insurance is a specialist for…
Construction sites are inherently dangerous environments. From heavy machinery t…
Construction is one of the UK's most dynamic and rewarding industries, but it's also one of the most risky. From site accidents and equipment damage to third-party claims…
Construction projects involve numerous risks, and understanding the insurance framework that protects your business is crucial. Two of the most important concepts in construction insurance are the…
Understanding your insurance responsibilities under JCT contracts
JCT (Joint Contracts Tribunal) contracts are the industry standard for construction projects across t…
Construction projects in the UK face numerous risks daily, from material damage and theft to third-party injuries and weather-related incidents. Contractors All Risks (CAR) I…
My Account
