PropertyWorks – Commercial Building Works Insurance
All Risks cover for commercial property renovations, refurbishments and contract works
PropertyWorks is a specialist Contract All Risks insurance solution for commercial property owners undertaking building works, renovations, or structural alterations.
Designed for projects that fall outside standard property insurance, PropertyWorks provides comprehensive protection for the existing structure, contract works, contents, and property owners liability—all under one seamless policy for the duration of the works.
Who is PropertyWorks for?
PropertyWorks is ideal for:
- Commercial property owners carrying out refurbishments, extensions or conversions
- Projects where works are too extensive for standard property insurance
- Developments requiring joint names cover with contractors (e.g. RIAI contracts)
- Properties undergoing structural changes such as:
- Hotels, shops and offices being refurbished
- Pubs converted into apartments
- Churches converted into offices
- Buildings repurposed for alternative use
Why choose PropertyWorks?
Unlike traditional property insurance, PropertyWorks is specifically designed for build-phase risk, ensuring continuous protection throughout the project lifecycle.
Key advantages
- All Risks cover during construction works
- Single policy covering multiple exposures (structure, works, contents, liability)
- Ability to insure property owner and contractor in joint names
- Designed to meet contractual requirements (RIAI and similar)
- Cover for materials, fixtures and fittings on-site
- Optional non-negligence cover for adjoining property risks
- Protection for unoccupied or partially occupied properties during works
What does PropertyWorks cover?
PropertyWorks provides flexible, comprehensive protection across multiple areas:
Existing Structure
- Cover for the building, outbuildings, walls and permanent features
- Indemnity-based settlement to restore the property following loss
- All Risks protection where the property is in good condition
Contract Works & Materials
- Cover for works in progress including materials and site equipment
- Protection for fixtures, fittings and incorporated works
- Suitable for joint contract requirements
Property Contents
- Cover for landlords’ contents against standard insured perils
Property Owners Liability
- Up to €2,000,000 liability cover for injury or property damage
- Applies during the course of the building works
Additional Cover & Extensions
PropertyWorks includes a wide range of extensions designed to support complex projects:
- Architects, surveyors and professional fees
- Debris removal and site clearance
- Automatic increase in sums insured during works
- Advanced loss of profits (delay in completion)
- Trace and access cover
- Off-site storage of materials
- Pollution clean-up and expediting expenses
- Fire brigade charges and replacement locks
- Optional non-negligence cover for neighbouring property risks
Supporting Documents
Provides an overview of cover, key features, and extensions available under PropertyWorks.
A clear, standardised summary of cover, exclusions and limits to support client understanding.
Commission
12.5%
Insurer
HSB Engineering Insurance
Changes in 2021
Updates in 2021 to PropertyWorks include enhancements to:
- Policy wording clarity and structure
- Regulatory and compliance disclosures
- Fraud, cancellation and data protection provisions
These updates ensure the product remains aligned with current underwriting standards and regulatory requirements.
FAQs
What is Contract All Risks insurance?
Contract All Risks insurance provides protection for property owners and contractors against loss or damage during construction or renovation works, including materials, structures and site risks.
When do I need PropertyWorks instead of standard property insurance?
PropertyWorks is required when building works are significant enough that a standard property policy would exclude or restrict cover during the project.
Can the policy be arranged in joint names?
Yes, PropertyWorks can be written in joint names of the property owner and contractor to meet contract requirements.
Does it cover liability during the works?
Yes, the policy includes property owners liability cover for third-party injury or property damage arising during the works.
Specialist Underwriting Support
Work directly with experienced underwriters who understand complex risks and provide practical solutions for brokers.
Flexible Product Solutions
Access a growing portfolio of specialist insurance products designed to help brokers place non-standard and niche risks.
Trusted Industry Experience
Benefit from decades of underwriting knowledge and strong relationships across insurers and broker partners.
Affordable Home Insurance That Doesn’t Cut Corners
Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.
We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.
Why Choose Dolmen for Your Home Insurance?
- Decades of experience in the Irish insurance market
- Independent advice and access to top Irish and UK insurers
- Personalised service with real people – not just a website
- Excellent customer support throughout your policy
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Place Smarter Faster with Dolmen
Underwriting Solutions Brokers Can Trust
If you would like to arrange cover under the PropertyWorks scheme, contact the Dolmen Underwriting team or submit details of the project for review.
Our team can assist with underwriting guidance, eligibility checks, and placement options for commercial building works, refurbishments, and contract risks.