Contract Works Insurance
Building Your Dreams? We’ll Help Protect Them.
Building a new home or renovating your existing one is a major milestone, but it comes with real risks. Accidental damage, theft, fire, storms, or even vandalism can derail your project, delay completion, and lead to serious costs. Personal Contract Works Insurance helps protect your building project while it’s underway, giving you peace of mind from the ground up.
What Does Personal Contract Works Insurance Cover?
- Loss or damage to your home while under construction or renovation
- Protection for: Building materials on-site
- Structural works in progress
- Fixtures and fittings (as they’re installed)
- Cover for: Fire, theft, storm, or flood damage
- Vandalism or accidental damage
- Temporary structures and site prep
- Optional extensions for : Owner-supplied materials or DIY work
- Public liability cover for site-related incidents
This cover applies during the construction phase. Once your build is complete, we can help transition you to standard home insurance.
Who Needs This Insurance?
- Individuals building a new home
- Homeowners undertaking major renovations or extensions
- Owner-builders managing their own projects
- Anyone required to insure the site as part of a mortgage or contract
Why It’s Different From Builders’ Insurance
- Builders usually cover their own liability and equipment
- As the property owner, you’re often responsible for insuring the actual structure and progress
- Lenders often require you to hold this cover before drawdowns on a construction loan
Related Cover to Consider
You might also need Home Insurance to protect your finished home, and Contract Works Business for trade professionals and construction firms.