Building work changes your risks. Here is the cover you need while the work is happening, and the guarantees that protect you afterwards.
First, and most important: tell your insurer before you start. Standard buildings and contents insurance often restricts or even voids cover during major works. A quick call now can save a disaster later.
Cover during the project
- Renovation or building works insurance. Covers the existing structure and the works while the project is underway. For bigger jobs you may need a specialist policy.
- Contractor's public liability insurance. Your builder should carry this and be happy to show it. It covers injury or damage to other people and property.
- Contractor's all-risks. Covers the works, materials and equipment on site against damage or theft.
- Employer's liability. The builder's legal cover for the people working for them.
The guarantees you should get
- Structural warranty. For new builds and major works, a 10-year structural warranty from a provider such as NHBC, Premier Guarantee or LABC. Mortgage lenders usually require one.
- Workmanship guarantee. A guarantee from the builder on their work, backed by an insurance-backed warranty where available.
- Product guarantees. Manufacturer guarantees on windows, roofing, boilers and the like, which we register and pass on to you.
The contract ties it together
A proper building contract, such as a JCT contract, sets out who is responsible for what, including insurance obligations and who insures the works. It is not red tape; it is the thing that protects both sides if something goes wrong. Never take on a significant project without one.
How we help
We are fully insured, we work under clear contracts, we arrange structural warranties where they are needed, and we make sure the insurance responsibilities are understood by everyone from the start, so there are no nasty gaps if the unexpected happens.
Insurance needs vary by project. This is general guidance for 2026; always take advice from your own insurer or a specialist broker.