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Self Build Insurance
A self build project has to be risk free, the
sums involved are far too large for any sort of gambling. There
are a number of policies especially for the self builder,
covering every risk from when you buy the land to when all is
finished, and covering these risks both on and off your site,
including theft of materials, which are stored at a distance, or
damage suffered by others outside the site boundary as a result
of your building operations. Our policy provides for all the
types of cover that are needed for your building site. The types
of cover that are needed for self build are set out below. Insurance
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Self Build Public Liability
Insurance
This covers legal liability for claims made
by any other person or body in respect of death, injury or loss
arising from your self build project and there is standard cover
of £5,000,000 in our self build policy. Claims under this
section of the policy are unusual, but when they do arise the
sums involved are usually very large. Insurance
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Self Build Employers Liability
Insurance
This is a legal requirement if you are
employing anyone. It is important to understand what is meant by
employment, as most self builders use sub contractors and do not
employ anyone in the general sense of the word. However, as far
as an accident to someone who is working for you is concerned,
you certainly owe him a 'duty of care' to ensure he does not get
injured on your building site and if a sub contractor is injured
on your building site his solicitor will establish that he has
'deemed contract of employment'. Insurance
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Self Build Contract Works Insurance
This is sometimes called site risks insurance
and protects against the more common losses - theft, vandalism,
structural damage, fire, flood, storm damage, damage by delivery
vehicles etc. The new building is protected at every stage and
materials are covered as soon as ownership of them passes to the
self builder, whether on or off the site. Insurance
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Self Build Third Party Insurance
Self builders are often obliged to take out
special cover by someone who is permitting them to do something.
The most common example is when a drainage authority requires
that they have five million pound of cover during the half hour
that they are making a drain connection. Insurance
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Extra Self Build Insurance
Self build insurance brokers will also help
with any special insurance requirements. Among these are legal
contingency insurance to cover you against the legal costs
involved in dealing with claims arising from lost land titles,
old covenants or ransom strips and also vacant building
insurance if for some reason a building is completed and cannot
be occupied.
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These two companies can provide excellent
self build home insurance policies. |
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