Premier Plus Cover

Our Premier Plus Policy provides 'All Risks' insurance cover for larger more complex renovation projects.  

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Our Premier Plus policy is our most comprehensive policy. It provides "All Risks" cover for physical loss or damage to the existing structures and contract works for 3 - 36 months. This policy is most suitable for complete new build projects or larger more complex renovation projects including commercial developments, basement extensions, and major demolition. The policy can be held in joint names if required under the contract conditions

It provides all the benefits of our Premier policy as well as cover for Accidental Damage and Subsidence

As with all of our policies, it includes £2,000,000 Public Liability cover as standard.

Optional extra covers available with this policy:
  • Contents 
  • Own Construction Machinery
  • Portable Hand & Power Tools 
  • Hired in plant 
  • Caravans Site/Huts
  • Non-Negligent/ JCT Liability
  • Employer's Liability
  • Advanced Loss of rent/Loss of Interest
  • Terrorism


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Below is a summary of the perils covered under the Premier Plus policy in terms of the building (including the existing structure and contract works). We have also detailed those perils excluded under the policy for your information. For full details of the cover provided including Conditions, Warranties, and Exclusions please refer to the Premier Plus Policy Wording.

Perils covered

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Aircraft
  • Storm
  • Flood
  • Escape of Water
  • Impact
  • Malicious Intent
  • Riot and Civil Commotion
  • Theft and Attempted Theft
  • Accidental Damage
  • Subsidence
Perils not covered

This policy offers cover for 'All Risks' cover meaning that all insurance perils are covered unless specifically excluded.

Not the level of cover you need?

Perhaps our Standard or Premier policy will better suit your project.

Find out more
Standard Cover

Our Standard Policy is for renovators who require cover for restricted perils. 

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Premier Cover

Our Premier Policy provides a ‘wider perils’ solution and is designed for renovators who are carrying out small to medium sized projects.