When it comes to planning a renovation project, insurance is one of the most commonly misunderstood areas — and one of the most important. Whether you’re a broker supporting clients through the process or a homeowner about to embark on building works, knowing the ins and outs of Contract Works Insurance can make all the difference.

That’s exactly why we’ve created this FAQ resource: a practical, plain-English guide to the questions we hear most often from clients and brokers alike.

From understanding when standard home insurance falls short, to clarifying what’s covered (and what isn’t) under Contract Works policies, the document offers essential insights for anyone looking to protect their project properly. It also explains why relying on contractor insurance alone may leave gaps in cover — and how to avoid costly oversights when navigating liability, JCT contracts, and self-managed builds.

Whether you’re preparing for your next renovation or advising a client through theirs, our FAQs are designed to offer clarity and confidence and help ensure that no question is left unanswered.