Contract works insurance may cover physical loss or damage to insured contract works during a project, subject to the policy, schedule, project description, insured parties and applicable conditions.

Contract works cover for renewable energy installers

Commercial solar, battery storage, electrical upgrades and energy efficiency projects may involve materials in transit, temporary storage, site work, installation, testing and commissioning. These stages should be clearly described when seeking cover.

Project details insurers may ask for

• Contract values and project duration
• Work location and site conditions
• Materials and equipment before installation
• Testing and commissioning arrangements
• Subcontractors and other parties with an insurable interest
• Existing property and surrounding structures

How contract works differs from other covers

Contract works is not the same as public liability, professional indemnity, marine cargo or annual property insurance. Some policies include or restrict transit, off-site storage, testing or maintenance periods; these details need to be confirmed for the particular placement.

We arrange insurance discussions based on the work and project information supplied. We do not advise on how a construction contract should allocate insurance obligations.

Questions about contract works

Can one policy cover multiple projects?

Annual or project-specific options may be available depending on the insurer and project profile. Declarations, limits and conditions vary.

Is testing and commissioning covered?

It may be subject to specific terms or exclusions. The project’s testing activities should be disclosed to insurers.

Arrange a review

Provide typical and largest contract values, project duration, locations, equipment values, testing details and subcontractor use.