Tell Your Broker About ALL Contract Works
IMPORTANT NOTICE FOR TRUSTEES & PROPERTY STEWARDS
Early notification is a condition of your insurance policy
Planning ANY Building Works? Please Tell Us First
Whether it’s:
Repairs
Renovations
Extensions
Structural alterations
Work involving scaffolding
Any project carried out by a contractor
Any JCT contract
You must notify your broker before the works begin.
This is a condition of your policy and helps ensure your church remains fully protected.
Why Early Notification Matters
Your insurer must confirm whether the works can be covered
Larger projects may need specialist insurance
JCT contracts require us to check the correct insurance clause
If joint names cover is needed, arranging this can take time
Please speak to your contractor to confirm whether they already have appropriate cover in place, as this can often be the most cost effective way to insure the works, or whether you are required to arrange the cover yourself. If you do need to arrange cover, this must include both works cover and existing buildings cover. Please note that we cannot provide cover for the existing building in joint names on a standalone basis. However, we can continue to offer cover for buildings undergoing works where joint names are not required.
Projects over £500,000 (including VAT) often cannot be covered under a standard church policy
In many instances your existing policy can cover the works however depending on the circumstances we may be required to arrange stand-alone cover
Telling us early avoids delays, gaps in cover, and unexpected costs.
Scaffolding Reminder
If scaffolding is erected at any time:
Insurers apply a theft exclusion for external metal (e.g. lead, copper) while scaffolding is in place.
Please factor this into your planning and site security.
What We Need From You
Description of the works
Start and completion dates
Contract value (incl. VAT)
Contractor details & Public Liability insurance
JCT contract and insurance clause (if applicable)
Your contractor or architect can provide most of this information.
Help Us Protect Your Church
If you are planning any works — or even just considering them — please contact your broker as early as possible.
We’re here to help your project run smoothly and safely.