When a Tenant decides to undertake works at their leased premises, they will require Fit-Out Insurance

The Tenant will be responsible for any damage to the existing premises while the construction works are being undertaken.

Even though the Landlord will have the Building Insured, it is unlikely that the Building Insurance Policy would cover the Fit-Out Works.

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Covers the property being worked on (for example fitting out a new cafe or retail clothing store) against any damage that occurs to the ‘works’ being carried out.  e.g. The building catches fire or someone injures themselves during the fit out stage

If you are fortunate, you may never have to make a claim against your insurance, however, if things do go wrong during your fit out period, only this insurance policy will protect you.   Below are just a few typical claim examples that have occurred.

Construction Works Insurance covers damage to materials or equipment until the completion of the fit-out works

Public Liability Insurance covers property damage or personal injury to third parties

Building Insurance covers any physical loss or damage to the existing structure