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Commercial insurance
Not every contractor wants an annual policy. For a one-off build, a large single contract or a job where the client demands project-specific cover, single-project contract works insurance covers that one job — from starting on site through to practical completion and the maintenance period.
Part of: Construction & contractor insurance at Apex
In short
Single-project contractors’ all risks (contract works) insurance covers one specific construction contract — the works, materials, existing structures and plant — for the project duration plus its maintenance and defects period. Ideal for one-off jobs and JCT or NEC contracts that require cover in joint names.
It fits a one-off or unusually large contract, a job outside your normal annual turnover, or a contract whose conditions require project-specific cover in joint names with the employer. For contractors doing regular work, an annual contractors’ all risks policy usually works out simpler — single project is for the standalone job.
The permanent and temporary works and materials, existing structures where you are working on or adjoining them, contractors’ plant, and extensions such as delay in start-up (on referral), third-party liability and terrorism via Pool Re. The cover is written for the specific project rather than a rolling programme.
Cover runs for the construction period and then through the maintenance / defects-liability period, and can be extended if the programme slips or the maintenance term is longer. Getting the period right matters: cover that ends at practical completion can leave you exposed during snagging and defects.
Standard construction contracts set out who insures the works and on what basis — the JCT insurance Options A, B and C, joint-names requirements, and non-negligence cover under clause 6.5.1. We line the policy up with the contract you are signing. Our guide to JCT insurance options explains how they differ.
High-value single contracts are considered on their own merits, rated on a probable-maximum-loss basis, with capacity for substantial projects available through specialist, Lloyd’s-backed markets. The bigger and more complex the job, the more the presentation of the risk matters — which is where a specialist broker earns its keep.
If you take on contracts regularly, an annual contractors’ all risks policy is usually simpler and cheaper per job. Single-project cover suits a one-off, an unusually large contract, or a job where the client requires project-specific cover.
Yes — the policy is arranged to match the insurance option and joint-names requirements in your contract, including non-negligence cover where the contract calls for it.
It is the defects-liability period after practical completion during which you remain responsible for making good defects. Cover can be arranged to run through it and extended if needed.
Substantial single contracts can be placed, rated on a probable-maximum-loss basis through specialist markets. The limit is set to the project rather than a standard cap.
Tell us about the job and the trade and we’ll arrange cover that fits. Or call 0117 325 0027.
Get a quote Call 0117 325 0027Apex 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. Premium figures shown are historic typical ranges from Apex’s own placements, not quotes.
