Commercial & interior fit-out

Commercial fit-out contractors insurance

Fit-out contractors work inside other people’s buildings — occupied offices, live retail units, restaurants and hotels — where damage to the landlord’s property, out-of-hours access and hot works all raise the stakes. Apex arranges cover for commercial and interior fit-out contractors that reflects how and where you actually work.

Part of: Construction & contractor insurance at Apex

In short

Cover for commercial and interior fit-out contractors: public and employers’ liability, damage to the landlord’s and existing property, contract works, plant and subcontractors — including work in occupied premises.

Why fit-out is its own risk

A fit-out contractor rarely works on a blank site. You’re inside a building someone else owns, often trading around you, on a tight programme with hot works and out-of-hours access. The exposure that catches firms out is damage to the landlord’s or existing property — and it’s frequently missing from generic contractor cover. We set the policy up around the premises you work in and the contracts you sign.

What the insurance covers

Public and employers’ liability.
Damage to existing and landlord’s property.
Contract works on the fit-out.
Plant and tools.
Subcontractor liability, labour-only and bona-fide.
Hot works and out-of-hours working.

Fit-out work we place

Office and workspace fit-out
Retail and shopfitting
Hospitality — bars, restaurants and hotels
Healthcare and dental
Partitioning, ceilings and joinery
M&E fit-out packages

What underwriters want to see

Whether the premises are occupied or empty, your hot-works procedures, how you use and cover subcontractors, the value of your largest contract, and the landlord’s insurance requirements — which are often JCT-based. Clear answers keep terms competitive.

Related construction cover

Construction hubAll contractor cover Joint names coverWhen the landlord requires it Single projectOne-off contract works Combined coverLiability, works & plant

Frequently asked

Damage to the landlord’s property?

This is the cover fit-out firms most need and most often lack. We make sure existing and landlord’s property is dealt with properly, not left to chance.

Working in occupied premises?

Standard for the trade and fully placeable — underwriters just want the detail of the site and hours.

Subcontractors?

Covered. We set labour-only and bona-fide subcontractor arrangements up correctly so there are no gaps.

Hot works?

Coverable with sensible precautions and a permit system.

The client wants joint-names insurance — can you do that?

Yes, on a single contract or annually — see joint names and dual-insured project insurance.

Fit-out cover that fits the contract

Tell us the sectors you work in and whether premises are occupied, and we’ll arrange cover that matches your contracts. Or call 0117 325 0027.

Get a quote Call 0117 325 0027

Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales, company number 07014570. This page is general information, not advice on your individual circumstances, and it does not guarantee that cover will be available or on what terms.