Contractors All Risks insurance (also known as Contract Works insurance) is insurance designed for builders or contractors working at a contract site.

Contractors All Risks insurance can be once-off or an annual policy depending on your requirements or those of your hirer. It can include cover for public and employers liability, Damage to property as a result of contract works, own plant, hired-in plant and employee’s tools.

The main part of the contractors all risks insurance is the contract works section which provides cover for the property being worked on (e.g. new house, etc.). However, cover for the existing property is excluded (e.g. the existing structure when building an extension) and must continue to be insured under its own insurance cover.

Typical contract trades for Contractors All Risks insurance cover would be general building contractors, air conditioning/heating engineers, double glazing installers, electricians, shopfitters, bricklayers, carpenters/joiners, ceiling/artexing, plastering/partitioning/dry lining and floor/wall tiling contractors.