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Contract Works Insurance

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Tradesman Saver’s Contract Works Insurance


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many different policies which would benefit a contract works business, and public liability insurance is one of the most significant. This protects you if your work ends up damaging a client’s property, or causing injury to a client or member of the public. For example, you may need to pay compensation if a client hurts themselves after tripping over your tools, or you accidentally damage a customer’s carpet with your muddy work boots. Claims like these can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a contract works business include employer’s liability, which is a legal requirement for anybody who employs staff, and tool insurance. Here at Tradesman Saver, we have all the insurance coverage you may need as a contract worker, and the cost can be worked out via our online form.

Get a QuoteLearn about Public Liability

What is contract works insurance?

Designed for builders and other tradesmen who might work on a construction site, contract insurance covers all the work you’re carrying out on site. The policy is designed to protect your work from all manners of unforeseen mishaps including fire, flood, storm, vandalism, or even theft. This keeps your business safe from footing the bill after an accident or natural disaster, and ensures that you can carry on your work as smoothly as possible, letting things run on schedule and keeping your clients happy.

Why do you need contract works insurance?

Working on a construction site can be stressful as it is. With so many things to consider and keep on schedule, it can be a minefield just seeing a project through to completion. But imagine on top of all that stress, that a fire were to break out and ruin all the hard work you’d spent months on. How would you carry on when your client refuses to pay again for an accident that wasn’t their fault? This is where contract insurance can be a godsend, giving you financial cover for any accidents where you or your team aren’t to blame.


Our contract works insurance can only be bought as part of one of our public liability policies, and cannot be sold separately.

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How our contract works insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

What does contract works insurance include?

We offer varying levels of contract insurance cover to suit the highest value of what you might be working on, from £50,000 to £500,000. Our cover includes:

  • Construction plant, tools, & equipment starting from £5,000 up to £75,000
  • Your own plant value starting from £5,000 up to £25,000
  • Temporary buildings starting from £5,000 up to £20,000
  • Hired-in plant annual fees starting from £2,500 up to £50,000
  • Hired-in plant value of up to £50,000 for any one item

The maximum contract period for our contract works policy is 12 months, with a maximum maintenance guarantee period of 12 months. If you require cover higher than the above limits, please contact us directly and we will be more than happy to arrange the cover you need.

Please note, contract works insurance doesn’t cover the existing structure that is already on site. For example, if you were building an extension and there was a fire at the property, your policy would cover the cost of repairing the extension in progress, but not any damage to the rest of the house—this would need to be covered by your customer’s home insurance.

silhouette all risks insurance | Tradesman Saver

Contract Works Insurance: Frequently Asked Questions

What does contract works insurance cover?

Contract works insurance covers damage to a contract prior to completion on an all risks basis.  For example, if you were part way through building an extension on a house and the extension were to be destroyed by fire prior to completion, your contract works insurance will cover the costs of reinstating the partially completed work.  Your client has already paid you for the work done so far so you cannot expect them to pay again.  Please note that contract works insurance does not cover damage to the existing structure, just the contract being worked upon.

What contract works limits can I choose from?

We have various levels of cover from £50,000 to £500,000. Should you require any more than this, please contact us directly to arrange your cover. 

Does contract works insurance cover continuing hiring charges?

Yes, we will. The maximum we’ll pay is the equivalent to 90 days’ worth of hiring charges.

What is the maximum contract period under the policy?

Our maximum contract period is 12 months. Should your contract last longer than 12 months, please contact us directly and we’ll be able to arrange the cover you need.

Is contract works insurance the same as contractors all risk?

Contract works cover is not the same as contractors all risk insurance. Contract works cover is designed to protect your building works while they’re in progress, while contractors all risks covers you for any damage to property, equipment and materials. Our policies can often be tailored to meet your individual needs, so please get in touch with us if you’d like further assistance.

Does contract works insurance cover me on construction sites?

If you’re a construction worker, whether you’re independent, a consultant or an employee, contract works insurance can provide you with the protection you need. Our policy covers damage to your building works from any occurrence on-site. It also covers you for any legal liability should someone be injured on your work site or if any third-party property is damaged as a result of the construction work.

How much does contract works insurance cost?

The amount your contract works insurance will cost you depends on a range of different factors. Many contract insurance policies are offered on a project specific basis, so you’ll need to pay more for more dangerous projects, and less for safer projects. A contract works policy is an essential tradesman insurance policy, whether you’re working on existing property or a completely new building site.

Does contract works insurance protect me against unfinished work?

Whether you’ll be protected against unfinished work depends on your specific circumstances. In general though, a contract works policy is designed to protect your contract, on an all risks basis, until such time as the work is complete.  So if there were to be a fire and the extension you were building were to be totally destroyed for example, your contract works cover would fund the cost of rebuilding the extension.  Without this cover, you would be personally liable for the build.  Your client will have already paid you to do the job and if the job is not completed (for whatever reason) they will expect your building company to complete the work they have paid for. This is why contract works insurance is vital.  If you are building a new property, the policy will also cover the contract for a period of 90 days following practical completion or until such time as the property is sold or leased, whatever occurs sooner.

Does contract works cover existing constructions?

No – contract works insurance is not designed to cover existing structures.   So if you are extending a home for example, the homeowner will need to insure the property and your contract works insurance will cover the extension work until such time as it has been completed.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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