FAQ Category: Contractors All Risk Insurance

Working in high-risk environments such as flood-prone areas, near tidal waters, or tunnels may be excluded unless specifically agreed by the insurer. For example, jobs over £25,000 near tidal waters or in non–cut-and-cover tunnels require prior approval. Always disclose high-risk locations to ensure your policy remains valid and responsive.

Generally no — the policy does not automatically cover damage arising during testing or commissioning unless it’s non-destructive and minor.

Not necessarily. Both renovation and new build work can be covered under Contract Works within your Contractors All Risk policy. However, work on existing structures (like refurbishments or conversions) is excluded.

Only in limited circumstances. The policy excludes cover for stock or materials stored off-site unless they’re in transit.

Here are some examples of higher risk projects, but not a limited list.

• Basement works
• Timber construction
• Demolition works
• Work in flood-exposed areas
• External work on high-rise buildings
• Piling and ground stabilisation
• Underpinning work
• Tunnelling and quarrying
• Road construction and bridgework

It is not a requirement to have both Public Liability and Contractors All Risk cover, but it is strongly recommended to ensure you have the specialist cover you need when working as a tradesperson

No, if you select Contract Works you will cover for the extension structure but not the existing structure.

No, this policy is an annual policy allowing you to work on multiple projects.

We will cover you to work on the project for up to 2 years (24 months).

If you select Owned Plant and Tools or Hired Plant cover you can opt to add cover for Employees tool and personal affects, with cover up to £500.