Contract works insurance

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What is contract works insurance?

From building sites to ongoing client renovations, works under construction are vulnerable to accidents and damage. Contract works insurance is designed to cover the project you’re on, so if the work gets destroyed or you lose your materials, you and the client are financially protected. You can restore the work in progress to its pre-damage status, and safeguard against additional losses.

  • build a tailored construction insurance policy, with options for PL, kit, and staff
  • 24/7 UK-based claims support from an expert team
  • cover for break-ins, flood, fire and storm, for peace of mind while you work

What does contract works insurance cover?

Alongside well-known covers like public liability insurance, plant, and employee protection, many construction insurance policies feature contract works cover as a popular option for trades companies and professionals. It’s designed to cover your regular building and construction site work, if disasters like storm, flood, or fire cause damage, or someone breaks in and steals or vandalises your materials and project.

How much does contract works insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

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Example contract works insurance quotes, real prices


How it works

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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

Example claim

Having contracts works insurance through Simply Business has saved construction and trade professionals thousands of pounds when the unexpected happened.

Annie saved more than £11,200

While working on a client’s loft conversion, Annie’s (not her real name) works site was broken into, with evidence of forced entry and theft of multiple tools and appliances. The optional contract works insurance added to Annie’s business policy helped provide cover for the delay to the project, while she replaced her tools and organised repair works.

Contract works insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about contract works insurance.

You can also check out our business insurance FAQs.

Contract works insurance only covers things related to a specific contract, such as the materials needed to complete a job. Contracts all-risk cover is designed to cover multiple elements of your business.

Contract works usually refers to work done by builders and other tradespeople and businesses. It’s common terminology for construction sites too, where projects tend to be long-running works in progress. Your contract works are the work and tasks you’ve agreed to complete for your client, as part of your contract with them.

This will depend on the contracts and agreements you have in place, both with your client and any third parties involved in the project you’re working on. Some contracts will require a minimum level of insurance to be in place before work commences, and contract(s) works insurance will often be factored into this, or highlighted as a requirement.

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

**If you employ people, you’re required by law to have employers’ liability insurance.**

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild, or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions