Residential Building Works home insurance - new and improved from 1 July 2020
Household insurers will not normally cover the contract works, preference being this is arranged by the contractor. This means the homeowner is reliant on the contractor's insurance to provide adequate cover.
This potentially leaves the opportunity for there to be both:
At the very least, your client loses control over a key aspect of cover that they need to rely on to protect their interests in the event of a claim.