Renovation Insurance

Renovation Insurance

If you’ve decided to project-manage your renovation, refurbishment or extension, it’s vital that you have the right renovation insurance in place.

Dream home or investment property, if you do opt to self-manage your renovation insurance in your project, you need to insure not only the existing structure but also the works in progress – as well as buying employer’s liability cover if labour-only sub-contractors are being employed direct. In addition, plant hire firms will require you to insure hired-in machinery before they’ll release equipment.  And the problem of arranging insurance for unoccupied properties pending and during renovation has often been an issue for buyers trying to complete on a sale. Listed properties and barn conversions are a particular problem under most home-builder policies.

Often insurers will only offer fire cover, which won't meet a lender’s requirements, leaving buyers faced with a limited range of highly expensive insurance policies - some costing ten times the standard rate or more. Renovators also need to have some public liability insurance cover in place to ensure that if a contractor or other person injures themselves in the property, they won't be fighting a civil action alone.

La Playa’s Renovation Insurance provides a flexible and comprehensive solution for renovators, including cover for:

  • Existing structure: cover for while your property is unoccupied/insecure – especially if the property is listed. While most household policies would only provide basic fire cover for the existing structure during the works, La Playa’s Renovation Insurance offers the full range – including “All Risks” and Subsidence cover.
  • Property Owners' Liability: to protect you from claims for injury or damage to people other than your contractors (inspectors, visitors, even trespassers)
  • Contractors All Risks Insurance (CAR): the cover traditionally held by the lead contractor, including Employers Liability, Contract Works, hired in plant etc
  • Any combination of the above depending on your project can be looked at under our renovation insurance

Don’t let “computer says no” insurers put you off your dream project – email us for more information and a competitive quotation.

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“Every time I call, I get first rate, super-fast responses and the patience to go through all of my concerns and questions.”

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You can call us to talk more about your insurance on +44 (0)1223 200650 or +44 (0)20 3865 0149

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About La Playa Private Client

Specialist & Independent

Specialist & Independent

La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewellery collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

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We also offer Investments & Pensions and Financial Planning: a joined up approach with a team of advisers working for your best financial interests - all under one roof.

Advice you can trust

…from an expert who understands you

  • Specialist, global policies for affluent lifestyles
  • Independent, specialist advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability: offices in London & New York
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Marie Shaw Cert CII


Direct Dial: +44 (0) 1223 200666

Mobile: +44 (0) 7471 030260


Twitter: @MarieLaPlaya