The works and materials
Identify the contract works, supplied materials, temporary works and any plant to be insured. Ownership and contractual responsibility should be clear, including materials awaiting installation.
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Contract Works Insurance
Contract works insurance follows the physical project as it is built. It needs its own construction-focused structure, whether the enquiry concerns one project or an annual programme of work.
Who it is for
Builders, contractors, developers or owners reviewing physical works during a project.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Single project or annual arrangement
The project value, duration, type of work and handover stages influence the proposal. An annual arrangement still needs clear eligibility and project limits.
Existing structures and liability
Work to an existing building does not automatically insure that building. Project liability, existing structures and neighbouring property need to be considered alongside the works section.
Defects, completion and interruption
Rectifying defective work and repairing resulting damage can receive different treatment. Testing, early occupation, cessation of work and delay-related losses require explicit review; they are not standard promises of a works policy.
Information for quotations
Provide project type, location, values, programme, existing structures, project parties, contracts, testing and handover arrangements, and subcontracted design.
Limitations and exclusions to discuss
Keep the works, third-party liability and professional design obligations distinct. Discuss construction stages, defects, testing, existing property and selected periods against the wording.
Frequently asked questions
Does Contract Works replace Public Liability or PI?
No. Physical works, liability to others and professional services involve different interests and terms. Review each against your project role.
Why discuss testing or early use before completion?
Project stages may overlap and responsibilities may change. Explain the actual milestones rather than assuming one handover date settles the insurance position.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.