We offer the market-leading product in terms of:

• Coverage breadth
• The quality of our insurers
• Our industry expertise, advice, and support

We tailor our offerings to meet your exact needs, we can also advise your professional team, and remain available at all times to help resolve problems. We also liaise with other project professionals and modify coverage as needed to ensure full protection.

Ultimately, we provide peace of mind and control over your insurance needs.

A building site is significantly riskier than a standard domestic situation. The building undergoes structural changes, making it more vulnerable to loss or damage. Materials on-site could be stolen, liability exposure increases, and the presence of works can attract unwanted attention.

We ensure that our insurance fully protects you and your home during the contract works period. Even if your contractor breaches the policy terms and conditions, you will still get paid—provided you were not complicit.

It is possible to insure a building project more cheaply, but lower premiums often come with significant compromises in coverage and protection. More than 75% of claims using traditional insurance products fail. A JCT-compliant insurance policy is the most secure way to insure a project.

Our range of insurers includes HSB, Allianz, QBE, AXA XL, and Talisman Speciality. Find out more about our panel at Our Partners.

If you are a policyholder of ours, please contact your broker straight away to notify them of any material change. If the project is forced to stop, there is cover for up to 60 days of cessation, but you must notify us straight away as special terms will apply. We will also need details of any new contractors so that we can underwrite this change of circumstances.

Yes – we won’t pay for pre-existing damage, but we can insure most projects which are already underway. However, if work has already started, unfortunately we would not be able to provide Non-Negligent Liability insurance.

Yes, we cover self-managed projects subject to underwriting criteria. We provide combined liability coverage for self-managed clients, including Property Owners Liability, Public Liability, and Employers Liability. We also insure the existing structure and works.

We are industry leaders in single project contract works and cover:

• High-value works
• High-value structures
• Complex projects
• Basement conversions & excavations
• Listed & heritage buildings
• New builds
• Non-standard construction (thatch or timber)
• Commercial existing structures and works
• Self-managed projects
• UK non-domiciled clients

Our most common claims involve water damage and accidental damage caused by the contractor. Fire is less common but when a fire claim does happen, these tend to be very large. Our average claim size is over £35k. Our policy covers accidental damage, water damage, fire, theft, and many other perils which are usually excluded by home insurance and restricted by other works insurers.

Claims should be reported to Renovation Underwriting as soon as possible.

You can call us on +44 (0) 1480 768 799, complete the form on this page, or raise a claim by downloading this form and sending to claims@renovationunderwriting.com. Any of these approaches will initiate the claims process.

Claims should be reported to us in the first instance using the options above. Our in house claims manager will help administer your claim.

In most cases, damage arises from either negligent design by the construction professionals involved or poor workmanship by the contractor.

• If negligence cannot be proven, neither Professional Indemnity held by property professionals nor Public Liability arranged by the contractor will pay the claim.
• Instead, under the Party Wall Act 1996, the homeowner (you) would be responsible for resolving damage due to certain causes to neighbouring properties caused by your works.