Confidence for Every Build
Specialist cover for renovations and building works
Overview
With Brown & Brown overseeing your cover, you can proceed with confidence knowing that every stage of the build is correctly protected. Your dedicated account team ensure the policy integrates smoothly with your existing insurance and provides seamless protection from the first day of work to final completion.
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How We Can Help
Building or renovating a property can be both exciting and stressful. At Brown & Brown, we make sure insurance is one part of the process you never have to worry about. Our building works insurance solutions are designed for Private Client customers undertaking everything from modest extensions to full structural renovations or rebuilds.
Contractors’ insurance policies often focus on protecting their own business interests, leaving gaps that can expose homeowners to risk. We arrange Contractors All Risks (CAR) cover that protects the property owner – covering damage to the existing structure, the new works, materials on site and potential liabilities. This helps to provide protection so that, in the event of fire, theft, flood or accidental damage, your investment remains protected.
We can liaise directly with your contractors, architects and project managers to ensure all parties’ responsibilities are clearly defined and no areas of exposure remain. For larger or listed properties, we can incorporate specialist cover for heritage features, fine materials and bespoke craftsmanship.
Your account team oversees the entire process, coordinating your building works policy with your existing home insurance for consistent, uninterrupted protection. From planning through to completion, we ensure every detail is handled with precision and discretion – giving you peace of mind while your home transforms.
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Tailored Solutions
Specialist Teams
Exceptional Service
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Your Questions, Answered
Contractors’ insurance policies are designed to protect their own business, not necessarily your property or financial interests. If damage occurs during construction, you may find gaps in the contractor’s cover, leaving you exposed. By arranging your own building works insurance, you maintain full control and ensure your home, materials and existing structure are properly protected. Brown & Brown provides specialist Contractors All Risks (CAR) solutions tailored to your project, offering peace of mind that you’re insured throughout. Whether it’s a small extension or a complete rebuild, our approach ensures your property is safeguarded from start to finish.
CAR insurance covers both the permanent and temporary works involved in a building project, including materials on site and the existing structure. It protects against damage caused by fire, theft, vandalism, flood or accidental incidents during construction. Policies can also include public and employer’s liability, non-negligence cover, and protection for professional fees or delays. At Brown & Brown, we tailor each solution to the specifics of your project and property, helping to provide comprehensive protection throughout. This type of cover is important for homeowners undertaking substantial building work who want certainty and control over their own insurance arrangements.
Yes. Your building works insurance can integrate seamlessly with your existing home cover. During construction, parts of your standard household policy may be suspended or invalidated, which can create gaps in protection. We coordinate both policies carefully so there’s no overlap or omission, providing a smooth transition from renovation to completion. Once work is finished, we adjust your main policy to reflect any changes in structure or value. This joined-up approach provides uninterrupted protection for your home at every stage, handled personally by your dedicated account team for consistency and efficiency.
Brown & Brown can arrange building works insurance for a wide range of projects – from modest refurbishments and extensions to major structural renovations and full rebuilds. We can also find cover for heritage and listed properties, ensuring specialist materials and craftsmanship are insured. Our solutions can include the existing building, new works, materials, site risks and liability protection for homeowners. Whether you’re renovating a London townhouse, extending a country home or restoring a period property, we provide bespoke, high-value insurance solutions tailored to your project.