Products & Covers

Building Works & Renovations.

Specialist cover for high-value refurbishments, extensions, and new build projects at your primary or secondary residence.

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Benefits

Insurance That Keeps Pace With Your Project.

Renovation and building projects can add significant value to a property, but they also introduce a level of complexity that is often outside the scope and appetite of many standard household insurance policies. Construction activity, contractor involvement, structural alterations and periods of partial occupancy can all materially change a property’s risk profile, potentially leaving gaps in protection if insurers are not informed and the correct cover is not arranged from the outset.

It is important to ensure that insurance is considered before works commence, as construction activity, contractor involvement and structural alterations can materially change the property’s risk profile and insurance requirements. Whether undertaking a minor refurbishment or a substantial reconstruction, specialist renovation cover is designed to help protect the property throughout the works and support a smooth transition back to a standard household policy on completion.

Typical cover can include:

Contract Works

Cover for the full value of works being undertaken, including materials and labour.

Existing Structures

Protection for the property being worked on, regardless of its state of occupancy during the project.

UK - Distressed and vacant property risk@2x

Non-Negligent Liability

Cover for third-party claims arising from party wall agreements and structural works.

Unoccupancy and Partial Occupation

Cover maintained during periods when the property is unoccupied or only partially in use.

AUS - Strata and shared membership exposure@2x

Employer's Liability

Protection where contractors are directly engaged by the homeowner rather than via a main contractor.

Public Liability

Cover for third-party injury or property damage arising during the construction period.

Plant, Machinery, and Materials

Protection for equipment and materials held on site throughout the project.

UK - Construction and development risk@2x

Professional Fees and Debris Removal

Cover for architect and surveyor fees, and the cost of removing debris following an insured event.

UK - Demolition and dismantling contractors

Transition to Household Cover

Seamless transition back to a comprehensive household policy on completion of the works.

All covers are subject to individual insurer terms, conditions, and underwriting criteria. The above represents a summary of the types of cover that may be available and does not constitute a policy document or insurance advice.