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Contract Works Insurance
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The Contract Works Insurance policy provides insurance protection to lost materials and labour on-site due to an insured peril.
The policy is on an All Risks basis which means that you get comprehensive cover. Let’s say you were building an extension at someone’s home or office and there was a fire at the premises and the works you had already done were fire damaged. The insurers would pay to reinstate the work, covering the cost of materials and labour to get you back to where you were before the fire.
The Contract works insurance policy will pay for lots of other perils, like, theft, malicious damage, vandalism, accidental damage and so on.
There are certain limits of cover so you need to buy contract works insurance for the maximum contract value of any single contract but also ensuring that the annual overall contract values for all your contracts over the year are also disclosed. This is how the premium is calculated for contract works insurance by knowing the value of the single biggest contract and the overall annual contracts value when they are all added together.
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Contracts Work Insurance
If you are a tradesman or a contractor or any type of construction company, as you know in most cases you will not get paid until the contract is handed over.
It’s really important to ensure that you have the right type of contracts work insurance in place for your business. You will have spent a lot of money on getting your materials in place and scheduled the other tradesman to come in and help on a job. All it takes when you are part way through a contract and have money tied up in the project to come onto site in the morning and the project has been damaged in some way.
It’s good to know that you have a policy in place that will pay you all the lost materials and pay the labour costs to get things back on track. Taking us up on our contracts work insurance policy will mean you obtain great protection and peace of mind knowing your contracts work insurance is going to step in.
Very often we need to include Public Liability with or without Employers liability, check out our page for more information on this
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contract work insurance
Very often insurance contract works policy gets confused with Contractors All Risk insurance. The insurance contract works policy covers lost building materials already used and the cost of the additional labour needed to reinstate the material lost and additional labour charges lost. Whereas the contractors all risks policy covers material and labour but also hired in plant, your own plant and other tools and temporary structures like tool sheds etc. The policy for you is a simple policy with just covers lost materials and labour only
To get expert help and guidance on your insurance. give us a call or complete our online quote form. Let us help you get the right cover at the right price. It’s so easy to do call 0191 5657590 or complete our online contact form.
We offer more than just a policy
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Free
Contract Works Insurance Quote
We offer more than just a policy
See what we can do for you today
