Contract Works Insurance

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contract works insurance

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4.9 / 5 Based on 686 Reviews
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Contract Cover, When You Need It Most

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. What would you do? How would you carry on when your client refuses to pay again for an accident that wasn’t their fault?

This is where contract works cover could be your greatest ally. Designed for builders and other tradesman that might work on a construction site, contract works covers all the work you’re carrying out on the site, protecting your work from all manner of unforeseen disasters including fire, flood, storm, vandalism or even theft. This protects your business from footing the bill from an accident or natural disaster, and ensures that you can carry on work as smoothly as possible, keeping things running on schedule and your clients happy.

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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The Limits Of Contract Works Insurance: What Do You Get?


We offer varying levels of cover to suit the highest value of the contracts 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 policy is 12 months and the maximum maintenance guarantee period is 12 months. If you require cover higher than our 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 to be building an extension and there was a fire at the property, your cover would cover the cost of repairing the extension in progress, but wouldn’t cover the damage to the rest of the house – this would need to be covered by your customer’s home insurance.

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Online & anywhere

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

Cover is instant

No need to wait for your documents. You're covered from the moment you purchase.

Added protection

Products liability, legal expenses and accidental death cover as standard on every policy.

Monthly instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Contract Works Insurance: Frequently Asked Questions


Why do I need contract works insurance?

If you work on a construction site, contract works is especially important as it protects the property you are working on against damage caused by fire, flood, storm, vandalism or theft. If your customer holds you responsible for unfinished work, contract works insurance is absolutely imperative to pay to repair or re-do the work that’s in progress if it’s damaged.

Why do you need to know my turnover on the online form?

Our policy is rated on turnover, so the higher your business’ turnover, the more you’ll pay for your contract works insurance. This is because bigger businesses present more of a risk to an insurer, so the costs of their insurance need to be increased in order to accommodate for this added risk.

What are the contract works limits that I can choose from?

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

Will the policy 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.

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Our Reviews

4.9 / 5 Based on 686 Reviews
Read all reviews »

Great company, easy application form, happy to be insured by them

on Dec 6th

This was an easy purchase and well thought out site for insurance. Less hassle than the other companies.

on Dec 5th

easy website quick quote very happy

on Dec 5th
*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader © Copyright 2018 Tradesman Saver | Tradesman Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.
Registered in England No 1842617 Insurance Brokers. All rights reserved.
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