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Our appetite and expertise as contract works specialists
“Building the right underwriting solutions to protect your client’s property, works and liability exposures.”

Contract works is our passion…

We know you don’t live and breathe contract works like we do. Here we share some key details with you – and so when you are next asked to advise a client on their potential renovation insurance you’re clear on where we fit in the market and how best we can support you with future contract works enquiries.

Our area of specialism

We’re driven by our mission to ensure homeowners and commercial developers protect their most financially and emotionally valuable asset at the point of greatest risk. Nobody should lose their property because they are not properly insured during a renovation project.

We specialise in offering insurance and consultancy services for high value residential and commercial renovation and building projects. Our policies cover projects with a value of works ranging from £250,000 to £100million; with values rising to £150 million for combined structures and works. We’re not just providing cover, but full property protection and complete peace of mind.

Build your knowledge and put yourself in the very best position to support your clients set to undergo a property renovation.

Our Appetite

What we can do for you.

  • Thatch property renovations
  • Commercial property renovations
  • Grade I and II* property renovations
  • Renovation projects already underway
  • Non-standard construction
  • Massive exposures (i.e.; Buildings and Works sums insureds in the tens of millions)
  • Very small exposures (thanks to our packaged product for mid net worth risks)
  • Post loss support
  • High flood / subs exposure. Whilst we may exclude this cover, we will still write the rest of the risk. We won’t decline the whole thing, just the relevant peril.

What we can’t do.

  • Self-build. This is where the works are being physically undertaken by the policyholder. Please note that self-managed is fine.
  • Heavy industrial risks (composite panelling in particular)
How to place
a contract
works enquiry:

You can place any contract works policy enquiry into our dedicated online portal. This will immediately tell our underwriters there’s a new risk to review and they’ll get in touch to advise further.

The portal is accessed through a dedicated Broker Hub. Using Open API programming, the platform generates personalised transactional dashboards for you, interacts in real time with our transactional portal (for policy quotes, binding and MTAs) and also gives instant access to Contact Works Academy, our online training platform.

Got an enquiry ready to go? Log in to the portal

We’re set to introduce you to Renovation Underwriting more fully in the days to come, as part of a dedicated onboarding series. Watch out for our regular emails that show how we can support you and your end clients, and tell you more about our approach and commitment.

Not yet booked your place at our Welcome Session

We run monthly drop in sessions to share more on RU’s approach and expertise. We love getting to know our brokers and are keen to work closely together in our mutual aim to protect properties undergoing works.

From the dropdown list on the right, pick which date works for you from our series of upcoming Welcome Sessions and we’ll send you all the details so you can stop by to say hi. These hour-long sessions run monthly on Teams and are hosted by a member of our Distribution team.


A comprehensive All Risks insurance under one single policy for the existing structure, the contract works and the homeowner’s liability, this product is fantastic.

– Current RU Broker partner