Contract works insurance (also known as contractors’ all risks or work-in-progress cover) protects painters and decorators against loss or damage to unfinished work while a project is underway.
If paintwork is damaged by fire, flood, vandalism, theft, or accidental damage before practical completion, contract works insurance pays to reinstate the work - preventing you from having to absorb the cost yourself.
Many painting contractors assume public liability insurance covers unfinished work - it doesn’t. Without contract works insurance, you are financially responsible for repairing or redoing damaged work before handover.
Decorating work is often completed late in a project, meaning it is highly exposed to damage by other trades or environmental risks before final sign-off.
After a flood destroyed our finished work, contract works insurance covered the full cost of re-decoration. Essential cover.
Director – Painting Contractor, UKIs contract works insurance mandatory?
Does public liability insurance cover unfinished work?
Does it cover materials stored on site?
How much cover should decorators have?
Can cover be arranged quickly?
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