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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?
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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.