Cover for the works, including materials on the site, if they’re damaged or destroyed by a sudden, unexpected event during the construction period.  

Covers materials supplied free of charge by the property owner to the contractor, which will be used for the works. 

Cover for the demolition and removal of damaged materials. This also covers supporting undamaged works necessary to enable the contract works to be restored or replaced.

Cover for professional fees such as architects, surveyors and consulting engineer’s fees, which are needed to keep work going after a loss.

An allowance in case of increases in the contract price, and in labour and material costs.

Cover for an increase in reconstruction costs after a loss to allow the works to be completed in a reasonable time.