We provide an All Risks contract works package covering:
• The Contract Works
• The Existing Structure
• Property Owner’s Liability
• Project Public Liability (if self-managing a project)
• Employer’s Liability (if paying labour directly)
• Non-Negligent Liability (mostly but not exclusively if you have an exposure under the Party Wall Act 1996)
We do not insure existing structures in isolation. We offer the full range of perils under both sections, including subsidence, accidental damage, and damage caused by the contractor.
Cover automatically ceases at the point of practical completion or the expiry of the policy. You should ensure that an extension is arranged or have a standard home insurance product available at the end of the project. Your broker will help you with this.
