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Contract Works
Liabilities
Personal
Accident
Legal Expenses
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If you are self builder starting your build from scratch, a contractors all risks insurance policy will protect you against accidental loss, destruction or damage to your project whilst the build is in progress. In the event of a loss, you will be covered for the value of the destroyed property or the cost of the repair, including professional fees, site clearance and debris removal
for the duration of the project.
| Property Insured |
Sum Insured |
Insured's Contribution |
| The permanent works and temporary works executed in performance of the Project
and materials for while on the site of the Project or in transit. |
Up to 125% of the reinstatement cost |
£250 for each and every loss |
| Temporary buildings including fixtures and fittings therein for use in
connection with the Project. |
£30,000 |
£250 for each and every loss |
| Household contents and personal effects of the property of the Insured while
contained in temporary buildings up to £2,500 any one item. |
£5,000 |
£250 for each and every loss |
| Constructional plant tools and equipment for use in connection with the Project
anywhere within the Territorial Limits. |
£30,000 |
£250 for each and every loss |
| Hired-in property. |
£30,000 |
£250 for each and every loss |
| Employees’ personal tools and effects while on the site of the Project within
the Territorial Limits and for an amount not exceeding £500 any one. |
£2,000 |
£50 for each and every loss |
| Existing Structures if required. |
Up to 110% of the reinstatement cost |
£250 for each and every loss |
The legal fees and compensation involved in a claim against you could seriously impact on the progress of your self build project. There are two main liability insurance products to consider which are included as standard within our site insurance policy.
Employers’ Liability Insurance
Protecting you against claims of injury to an employee, this is a legal requirement. Cover is provided to indemnify you against your legal
liability to pay compensation for bodily injury, disease, death or nervous
shock sustained by your employees, volunteers or helpers for which you are
responsible arising out of business work.
| Limit of Indemnity |
Insured's Contribution |
| £10,000,000 any one event but limited to £5,000,000
any one Event arising directly or indirectly out of Terrorism |
£0 |
Public Liability Insurance
Protecting you against claims of injury or accidental damage to property belonging to a member of the public. You are covered against legal liability to any other person for bodily injury
or death or damage to any third party's property arising out of building work.
The cover includes legal costs and expenses.
| Limit of Indemnity |
Insured's Contribution |
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£5,000,000
any one event
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£5,000,000 any one period in respect of pollution or
contamination.
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£250 each event in respect of damage to third party property |
JCT Insurance 21.2.1
Although not included as standard in the policy, we can also arrange the optional JCT Insurance 21.2.1 if you find you need it. This will cover you for any expense liability loss claim or proceedings for injury or damage to any third party property by collapse subsidence heave, vibration, weakening or removal of support or lowering of ground water arising out of the works.
| Limit of Indemnity |
Insured's Contribution |
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Up to £1,000,000
any one event
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From £500 each event in respect of damage to third party property |
 Read more about JCT Clause 21.2.1 Insurance and arrange a quote.
You’re likely to be playing a big part in overseeing your building work and so are at higher risk than normal of experiencing an accident on site. Personal accident insurance within your site insurance policy will provide financial support should an accident result in serious injury or death.
| Cover |
Limit of Liability |
Insured's Contribution |
| Personal Accident |
Up to £20,000 |
£0 |
Legal expenses insurance provides cover for the costs incurred in pursuing claims from a breach of contract for goods or services or nuisance made in connection with the construction of your home and the land on which it is being constructed.
| Cover |
Limit of Indemnity |
Insured's Contribution |
| Legal Expenses |
Up to £50,000 |
£500 |
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