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Whether you're building from the ground up or making structural alterations, Contract Works Insurance helps protect your project from start to finish. Designed specifically for builders, developers, and contractors, this cover focuses purely on the construction in progress-keeping your work and investment secure.

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What is Contract Works Insurance?

Contract Works Insurance covers the physical works on-site during a construction project. If your build is damaged or destroyed by fire, flood, vandalism, or theft before it’s complete, this insurance ensures the cost of rebuilding or repair doesn’t fall entirely on your business.
This standalone policy is ideal for contractors who already have other insurance in place—such as public liability or tools cover—but still need dedicated protection for the works in progress.

What Does Contract Works Insurance Cover?

This policy can be tailored around your project, and typically includes cover for:

Damage to Building Works

Covers the cost of repair or redoing work already completed, such as foundations, walls, roofing, and fit-out.

On-Site Materials

Protects materials stored on-site for future stages of the build.

Works in Transit

Optionally covers materials and items while being transported to the site.

Subcontractors' Work

Can extend to include work carried out by bona fide subcontractors.

Extension for Plant, Tools or Temporary Buildings

Add-on options available if required.

Whether you're working on new homes, extensions, or commercial spaces, this insurance helps you avoid major financial losses if the unexpected strikes before handover.

Who Needs Contract Works Insurance?

Contract Works Insurance is essential for:

  • Building Contractors and Developers
  • Property Renovators
  • Self-Build Projects
  • Project Managers
  • Specialist Trades Involved in Structural Work

If you're contractually responsible for the build until completion, contract works cover is highly recommended—especially if your client isn’t insuring the project themselves.

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How Much Does Contract Works Insurance Cost?

Premiums are based on a variety of factors, including:

  • Total contract value
  • Nature of the construction work (e.g. extensions, refurbishments, new builds)
  • Duration of the project
  • Your previous claims history
  • Optional extras like tools, plant, or off-site storage

Smaller residential projects may see premiums from just a few hundred pounds, while high-value or long-term commercial developments will naturally cost more to insure.
We offer competitive, tailored quotes with flexible limits—so you only pay for what you need.

Why Choose Crowthorne for Contract Works Insurance?

  • Custom cover for one-off builds or ongoing contracts
  • Quick quotes with experienced advisors
  • Trusted by builders, developers & contractors UK-wide
  • Add-on options available to match your setup
  • Dedicated claims support with minimal delays
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What Our Clients Say

“I already had my tools and liability covered, but needed protection for the build itself.”
Crowthorne explained everything clearly, helped me customise the policy, and got it sorted quickly. When a storm hit our site halfway through the job, the claim was handled fast—and I didn’t lose a day of work more than I had to.

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Part of a Comprehensive Cover Package

At Crowthorne, we don’t just stop at Contract Works. We can offer a full suite of insurance options tailored to your business and the way you work. As part of your quote, we can also help you with:

Public & Employers’ Liability

Protect your team and the public from injury or damage claims on-site.

Fleet or Company Vehicle Insurance

Cover your vans, pickups, and plant transport under one flexible policy.

Professional Indemnity Insurance

Ideal if you're involved in project design, consultancy, or planning.

Own & Hired-In Plant

Additional cover for machinery and equipment, whether you own or hire it.

We’ll work with you to understand the full picture—then build a package that covers all your risks, without overlapping or paying for cover you don’t need.

In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

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Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.
Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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Insurance That Won’t Break Your Bank.

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Member of the British Insurance Brokers’ Association (BIBA)

We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.