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La Playa: Insurance with Intelligence®

Renovation Insurance

  • Big ideas for refurbishing your home?
  • Buying a 'project' property?
  • Extending or enhancing?
  • Super-basement?

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

Click here for our 10 Point Renovation and Property Project Insurance Checklist


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
  • Unoccupied property
  • Works in progress
  • Employers’ liability for engaging contractors direct
  • Hired-in machinery
  • Listed & historic buildings
  • JCT–friendly (“joint names” issues)
  • Any combination of the above, depending on your project

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

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Period & Listed Buildings
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Portfolio Policies
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Private Aviation
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Renovation Insurance
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Testimonials

What Our Clients Say

Specialist & Independent

La Playa's Personal Risk Concierge service means advice you can trust - from an expert who understands you:

As a Lloyd's broker, La Playa has solutions for even the most complex risks, and our services also include Business Protection and Employee Benefits. But what does "Boutique Service" actually look like?

The La Playa Way: Your Personal Risk Concierge

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1

Careful listening to really understand your needs and priorities


2

As much help as you need with completing forms to provide risk information


3

A discreet and complimentary appraisal* to assess the risks and ensure you have the right coverage where you need it


4

An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions


5

Careful monitoring of the carriers’ financial strength, claims and customer service


6

An independent recommendation of the best policy for you - and why


7

Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analyzed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies
*subject to insurer availability


8

An intelligently designed portfolio of protection across multiple asset classes, liabilities and territories


9

Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down


10

A dedicated adviser so you can speak to the same person each time.


11

Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers


12

Direct phone and email access to your adviser for questions and advice.


13

Policy documents emailed to you - no logins and passwords to remember


14

An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running, and driving through a swift financial settlement


...and more. La Playa’s Personal Risk Concierge promises only the best,
ensuring that every client we work with is given utmost priority.
No call centres, hold music, hidden fees. with La Playa, you are our most important client.
  • Specialist, global policies for affluent lifestyles
  • Independent, expert advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability with offices in New York & London
Champagne

As an independent broker, we can advise on the best policies available - and on risk management measures including valuations, security, fire prevention and property marking - preserving the value of your property and giving you complete peace of mind. We have access to excellent terms with high net worth insurers including Chubb, Hiscox and Covea.

Mike Taylor

Mike Taylor-West ACII

DIRECTOR GLOBAL MARKETS PRIVATE CLIENT, MARINE & AVIATION

Your Personal Risk Concierge Service...

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