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Our site insurance is a comprehensive, all-encompassing policy designed specifically for self builders like you. It includes all the necessary levels of cover for:
- Contract works
- Liabilities – including Employers’ Liability, Public Liability and JCT Insurance 21.2.1
- Personal Accident
- Legal Expenses
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Why choose our site insurance?
We have partnered with RSA, one of the world’s leading insurance groups, to provide comprehensive site insurance for your self build project. With Royal & Sun Alliance, you are assured of good underwriting and claims disciplines – giving you reassurance that you’ll be in good hands should something go wrong.
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Why choose our site insurance?
By law an employer must have employers’ liability cover for at least £5 million. People you normally think of as self-employed or friends and volunteers may legally be considered to be employees and so employers’ liability insurance is essential. Our comprehensive site insurance includes employers’ liability cover as standard.
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Summary of site insurance cover
In addition to self build site insurance, which should be based on the reinstatement cost of the new works, you will also require cover (including subsidence) for the existing structure. If the existing structure is presently insured under a building policy, you must advise the insurers of the works taking place, as this may affect cover.
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Why choose our site insurance?
You must ensure that you have sufficient site insurance in place when you exchange contracts on a plot or building for conversion or renovation. This way you will have adequate public liability cover while you plan and seek approval for your project.
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Summary of site insurance cover
Site insurance policies are available for a period of 18 or 24 months, with 6 month extensions available upon request. We also offer a 6 month site insurance policy that can be extended to an 18 month policy, and thereafter can be extended by 6 months at a time.
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If you are not planning to start work within 60 days but still need cover for the land, we can offer up to 12 months’ public liability cover from £157.50 including insurance premium tax.
You will be automatically offered this service if your estimated date for starting building work is more than 60 days after you want cover to start. If it is less than 60 days you will be covered by the standard site insurance policy.
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Find out more about public liability insurance
The Sums Insured needs to be set at the cost of reinstating the completed building including fixtures and fittings. This figure should include an allowance for debris removal and VAT, and remember, in the event of a total loss you may wish to utilise the services of a professional surveyor and may not be in a position to negotiate costs with individual tradesmen.
Experience shows that the actual cost of rebuilding a property following an insured loss is substantially more than the original contract value and underestimating the Sums Insured value could result in a short fall of cover.
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Summary of site insurance cover
Your Self-builder policy will cease once you occupy the property, so at that point we can assist you by providing the buildings and contents cover for your new home. We have partnered with Sterling Insurance Group to bring you ‘Executive Home’ – a buildings and contents insurance policy perfect for self builders like you.
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Our comprehensive site insurance policy ensures that you are covered for all eventualities. In addition we can also offer the following individual policies, should you wish to take out further protection:
We can also offer 12 month’s public liability insurance for empty sites if you don’t plan to start work within the next 60 days.
RSA offer a dedicated claims service to self-builders and
use professional Loss Adjusters to investigate and settle your claim as quickly
as possible.
When you receive your policy documentation you will be given full details.
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Why choose our site insurance?
We have partnered with a number of independent advisers and suppliers in order to bring you the following services:
If you have any questions about Self-builder insurance or other services that are not answered here please contact us
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