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UK SMEs onboarded

750,000+

UK SMEs onboarded

What is contract works insurance? 

Contract Works Insurance is a type of business insurance built to protect your ongoing construction projects.

It provides a financial safety net for everything from the physical structures you’re building to the materials waiting to be used on-site. 

If a fire, flood, or theft occurs before a project is finished, this cover helps you get back on track without the added worry.

This policy does not cover completed work, gradual wear and tear, or damage resulting from design faults and poor workmanship.

What does contract works insurance cover?

Contract Works Insurance protects your tools and your hard work, so you can get your projects back up and running as soon as possible. At Tide, our policy covers:

On-site protection

Damage, theft, and attempted theft of building materials.

Professional support

Fees for architects or surveyors that may be required for repairs.

Flexible storage

Materials stored at other UK locations.

Recovery & clearance

Costs to recover stuck equipment or clear the site after damage.

Project continuity

Loss or damage to blueprints, documents, and overtime costs.

Get a contract works quote

Get Contract Works Insurance in just a few steps

Business insurance with Tide is easy.

  1. Download the Tide app

  2. Tell us about your business and verify your identity

  3. Your business account is approved and ready to go

  4. Get a quote and purchase a policy via the app*

 Get a contract works quote

*Eligibility criteria and T&Cs apply.

Get everything you need from your free business bank account

With over 1.5 million freelancers, contractors, and scaling businesses trusting in Tide worldwide, we’re committed to building you the best business bank account to help you set up your business smoothly. 

Payment Links

Generate and send Payment Links for quick online card transactions.

Invoicing

Create, track, and send branded invoices straight from the Tide app to get paid faster. 

Tap to Pay on iPhone

Accept contactless payments securely on your smartphone - no additional hardware needed.

Apple/ Google Pay

Set up a digital wallet to make every payment effortless.

International payments

Access your IBAN number in the app to send and receive international payments in a few taps.

Virtual Cards

Pay for your online subscriptions and ad expenses with our Virtual Cards.

Open an account

Benefits of Tide business insurance

Protect your business quickly and easily – with no unnecessary questions or fuss.

Flexible

Get a quote in minutes via the app, pay monthly and cancel your annual policy at any time.

Seamless payments

Get monthly reminders when your payments are debited from your Tide business account, no manual setup needed.

One-stop shop

Manage your policies and documents in one place and get member support via the app. Enjoy a growing range of insurance options that scale with your business.

Get a quote

What do I need to get a quote for contract works insurance?

Getting a business insurance quote at Tide is simple – you just need some basic information about your business to get started.

Business details like name, address and type

Size of your team

Annual revenue

Your business’s financial background

Get a contract works quote

Explore more business insurance policies

Whatever your industry, we’ve got you covered. Discover our full suite of business insurance options and get a quote in minutes. For more details, check out our policy documents.

Join over 1.5 million members worldwide

What members say about Tide

Charlotte Davitt-Mills
Shotley Vineyard

"Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business."

Matt Herd
Beaucroft Watches

"Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account."

Aaron Mo
Ong Ong Buns

"With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business."

Ismail Uddin
NYAS Studio

"We were just in Portugal last week where we were having to make some payments and pay invoices, and I was just doing it from my phone on the beach...that was good."

Questions about contract works insurance?

Find answers to all our most frequently asked questions in our Help Centre. For more information on our insurance covers, go to our policy documents page.

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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