JCT Clause 21.2.1 Insurance
A JCT Clause 21.2.1 insurance policy with Self-builder will provide protection against liability for damage to adjacent or surrounding property even if the work is being carried out by a contractor or sub-contractor.
This type of damage is common where work involves excavation, piling, demolition or underpinning when damage can occur by subsidence, vibration or weakening of support. Uncontrollable factors such as the geology and landscape of the site and the proximity of other property to your site all influence the level of risk you face. The joint contracts tribunal 21.2.1 insurance cover protects you for damage that has not been caused by the negligence of the contractor or sub-contractor.
Why do I need JCT Clause 21.2.1 Insurance?
A public liability insurance policy will only protect you against damage to third party property if the damage has resulted from negligence. If for any of the above reasons your works damage a neighbouring property, you could be liable and face large financial losses which could dramatically impede on the progress of your build.
JCT Clause 21.2.1 insurance derives from the relevant section of the Joint Contracts Tribunal (JCT) standard form of building contracts, which is a relatively complex area. The requirement for cover is usually stipulated by a consulting engineer, surveyor or architect so it’s best to seek the advice of an expert. The policy is issued in the name of the contractor as well as yourself to ensure all parties are protected.
Self Build JCT 21.2.1 Insurance covers you for any expense, liability, loss, claims or proceedings as a result of damage to surrounding property which is a result of:
- Subsidence or heave
- Weakening or removal of support
- Lowering of ground water
How do I arrange JCT Insurance 21.2.1?
If your project involves piling or other disruptive works, you have any concerns about your requirement for this cover, or would like to get a quote, then please call us on FREEPHONE 0800 018 7660 and we’ll be happy to advise you.
Download Summary of Cover for JCT Clause 21.2.1 Insurance
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