Contract Works Insurance protects the actual building or renovation project while it’s in progress. If the job site is damaged by a storm, fire, theft, or vandalism, this policy helps pay for the repair or rebuilding of the work. 

Public Liability Insurance doesn’t cover the work itself; it covers injury or damage to third parties that may occur during the job. For example, if a client trips on site or you accidentally damage a neighbouring property. 

For builders and contractors, both covers are usually essential. Public Liability takes care of third-party risks, while Contract Works protects the project you’re working on. 

See below for a visual overview of the differences in cover: