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INSURANCE FOR REFURBISHMENT, FIT-OUT & RENOVATION PROJECTS
Protect your work, your team and your client’s property
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.
What Renovation & Refurbishment Contractors Insurance Can Include
Combined protection for contracting businesses carrying out alteration, fit-out and refurbishment works.
- Contract Works / Contractors’ All Risks (materials and works in progress)
- Public Liability Insurance for injury or third-party property damage
- Employers’ Liability (a legal requirement for most contractors with staff)
- Cover for damage to existing structures (by agreement)
- Own plant, hired-in plant and tools cover
- Temporary buildings, site huts and welfare units
- Professional Indemnity (for design & specification responsibilities)
- Products & completed operations liability
- Optional business interruption / loss of income cover
Who Is Renovation & Refurbishment Contractors Insurance For?
Typical Contractors & Trades
- Refurbishment and fit-out contractors
- General builders and renovation specialists
- Shop fitters, office fit-out and commercial refurb teams
- Property improvement and conversion contractors
- Kitchen, bathroom and interiors contractors
- Heritage, listed-building and period property specialists
Typical Projects & Work Types
- Internal and external refurbishments
- Extensions, conversions and structural alterations
- Office, retail, hospitality and leisure fit-outs
- Residential upgrades and modernisations
- Phased works in occupied premises
- Small works through to major refurbishment contracts
Key Risks for Renovation & Refurbishment Contractors
Project & Site Risks
- Damage to existing structures during works
- Working in occupied buildings and live environments
- Fire, escape of water and accidental damage to clients’ property
- Hot works, dust, noise and vibration risks
- Theft of tools, plant and materials from site
Contractual & Compliance Risks
- Contract conditions and JCT / NEC requirements
- Evidence of Public and Employers’ Liability for clients
- Professional design and specification responsibilities
- Subcontractor management and vicarious liability
- CDM Regulations, health & safety obligations
Why Arrange Renovation & Refurbishment Insurance Through Insure24?
- Access to insurers experienced in construction and refurbishment risks
- Cover tailored to your trade, contract size and project profile
- Advice on existing structure limits, hot works and warranties
- Options to include plant, tools and commercial vehicle insurance
- Support with policy wording, certificates and client documentation
- Claims support if something goes wrong on site
“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, UKBUILD THE RIGHT COVER AROUND YOUR PROJECTS
- Cover for contract works, liability and existing structures (where required)
- Options for plant, tools, vehicles and offices
- Suitable for small contractors up to major refurbishment firms
- Aligned with contract conditions and client expectations
- Backed by specialist construction insurance support from Insure24
FREQUENTLY ASKED QUESTIONS
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What is Contract Works insurance for renovators?
Contract Works insurance covers the refurbishment or alteration work you are carrying out –
including materials, part-completed work and items intended to become part of the structure –
against risks such as fire, theft, vandalism and accidental damage during the contract period.
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Does my policy cover damage to existing structures?
Not always. Many policies exclude or limit cover for the existing building unless it is specifically insured.
It’s important to discuss with Insure24 whether existing structure cover is needed and how it should be arranged.
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Do I need Employers’ Liability if I only use labour-only subcontractors?
In many cases, yes. Labour-only subcontractors are often treated as employees in the eyes of the law,
meaning Employers’ Liability cover is required. We can help you determine the correct position and ensure compliance.
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Can I include tools and plant on the same policy?
Yes. Many contractors’ policies can include sections for own tools, hired-in plant and owned plant –
with options for cover at the premises, on site and in transit. Limits and security conditions will apply.
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What information is needed for a quotation?
Insurers typically require details of your trade activities, turnover, wage roll,
largest and average contract values, types of properties worked on, claims history and the use of any heat
or high-risk activities. Insure24 will guide you through the information needed.
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What is Contract Works insurance for renovators?
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Does my policy cover damage to existing structures?
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Do I need Employers’ Liability if I only use labour-only subcontractors?
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Can I include tools and plant on the same policy?
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What information is needed for a quotation?
Related Covers
Refurbishment pages should route users into the construction covers that matter when working on occupied premises, existing structures and phased fit-out projects. These links keep that intent focused on related construction insurance pages.