Yes, most Contract Works Insurance policies do cover work completed by subcontractors, as long as they are working under your direction and as part of the insured project.

However, insurers generally expect that:

• You are the main contractor or owner builder taking out the policy
• Subcontractors are not working independently under separate contracts
• The subcontractor’s work is part of the declared project value and scope

Some policies may exclude defective workmanship or limit coverage if subcontractors cause damage through negligence.

Contract Works does not replace the need for subcontractors to have their own Public Liability Insurance. You may still be liable if they cause injury or damage to a third party, which is why it is important to check their insurance.

If subcontractors play a large role in your projects, it’s worth confirming how they’re treated under your specific policy. Please contact us with any questions you may have about your subcontractors.