Yes, external tiling is included as long as it falls under your normal business activities. Ensure materials left on-site are stored securely to be eligible for theft or damage cover under Contract Works.
Yes, if you have Contract Works cover and materials are stored securely, they are insured against theft and damage. However, theft from unsecured areas or vehicles may not be covered.
Not usually, but you should ensure the total value and type of work are within the limits of your existing policy. If working on particularly high-risk or regulated premises, check for any special conditions or exclusions.
Yes, if they’re part of your business property and you have either Owned Tools or Contract Works cover. You’ll also need the “Tools of Trade” extension for cover while stored in a locked, unattended vehicle.
Yes, up to £500 per employee, when added as an extension to Contract Works or Owned/Hired Tools cover. This protects their tools and personal effects while on the job.
No additional cover is required specifically for decorative work, as long as it’s within your declared business activities. However, ensure that high-value materials or fragile tiles are reflected in your Contract Works cover, if applicable.
If the damage is due to faulty workmanship or materials (e.g. grout not applied correctly), it won’t be covered. Insurance generally does not cover gradual or preventable damage caused by poor installation.
Yes, as long as the job doesn’t involve excluded work (e.g. over £2 million contract value or over 2 years duration) and you’ve disclosed the nature of your work. You may wish to confirm the specific work is covered, as heritage work can carry unique risks.
