Contract Works Insurance is designed to protect construction projects while they are underway, covering work that has not yet been completed or handed over. In construction and building projects, there is a period where materials, labour and progress are all at risk, and any damage during this phase can result in significant financial loss.

Projects in progress face many risks. Fire, theft, vandalism, storms, or accidents can happen before work is done. Materials on-site can be stolen or damaged, and unfinished structures are more vulnerable. Standard property insurance often doesn’t cover these works.

If damage happens before a project is finished, the contractor or developer usually has to fix it. This might mean buying materials again, redoing work, and dealing with delays, which can affect budgets and schedules. Contract Works insurance helps cover these costs, so the business isn’t left with the full bill.

This cover can protect materials, labour, and temporary structures linked to the project. It may also cover items stored on-site or in transit, depending on the policy. The amount of cover can be tailored to fit the size and value of each contract or project.

Contract Works Insurance is important for builders, contractors, developers, and tradespeople working on construction projects. It’s often required in contracts, especially for bigger or commercial jobs where a lot of money is at stake.

At base Insurance, we help businesses get Contract Works cover that matches their projects. We look at contract values, how long projects last, site conditions, and environmental risks.

Construction projects require investment at every stage. Contract Works Insurance helps protect that investment while work is ongoing, so unexpected damage doesn’t stop you from finishing or making a profit.