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SelfBuild Site Liability Insurance

For when you have a plot but work hasn't started yet

Finding a site for your home-building project is the first step on a highly rewarding path, but there may be a delay between your purchase of the land and the commencement of building.

Our Site Liability policy is designed to cover self-build plots, from the point at which you own a plot of land and can demonstrate the intent to use it for a self-build project, up to the point immediately before work starts. Once any work starts (including but not limited to site clearance, demolition or construction) this policy no longer provides appropriate cover and you may wish to consider our Self-Build Insurance to cover the self-build project.

As you are liable for any third parties that may enter your land, SelfBuild’s Site Liability Insurance is designed to provide the cover and peace of mind you need during this time. The policy aims to cover you in the event that somebody is injured or suffers damage or loss on your self-build site.

Get a quick quote online today, or give us a call on 0800 230 0225 to find out more about our Site Liability insurance.

Who is this for?

keysPlanning to build your own home to live in, sell or rent on completion

pound signAlready have a self-build site intended for your project

uk mapSelf-build sites located in the UK or Northern Ireland

uk mapPeople with self-build sites where clearance or construction has not begun

Product Features

housePublic Liability of £5M to protect you and your project against a wide range of risks

contentsEmployers’ Liability of £10M to cover the cost of your liability as the employer of your self-build project

waterOptional £50K of Legal Expenses cover can be added to the policy

Why us?

20 plusOver 20 years experience in the insurance industry

24hrFriendly support from our UK based team

zurich logoUnderwritten by Zurich, a major global insurer

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Why do I need Site Liability insurance?

When you own land, you could potentially be liable for a claim against you if someone is injured or killed while on your self-build site. This includes people who are on your self-build site without your knowledge or permission.

Our Site Liability insurance is designed to protect you and your site. This cover includes £5M of Public Liability insurance, and £10M of Employers’ Liability insurance, which is a legal requirement if you employ people to work on your self-build site. View our Policy Summary to find out more.

What does it cover?

Our Site Liability insurance is designed to begin when you own a plot of land and have started the process of applying for planning permission for that site, and finishes immediately before work starts (including but not limited to site clearance, demolition or construction).

It is a flexible policy with cover up to 18 months, or until work commences (including but not limited to site clearance, demolition or construction) - whichever is sooner. This can be extended should you need to do so.

This policy no longer provides appropriate cover if work has already started on your self-build site. You may wish to consider our Self-Build Insurance policy to cover the self-build project.

Optional extras

You also have the added optional security of Legal Expenses cover, designed to cover the legal costs arising from contractual disputes between you and your contractor, utility companies, or the removal of squatters from site during the insured period.

Quality product

We’ve worked closely with Zurich, a major global insurer, to offer a unique cover which can be tailored to your self-build requirement and provide the security you need.

Dependable team

With over 20 years in the insurance industry, we’ve learned a lot about what people really want from their cover. You can speak to our UK based team if you need further information about our product. You will have access to a 24-hour claims helpline.

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SelfBuild Site Liability cover at a glance…

Features
Site Liability
Public liability
£5 Million
Employers’ liability
£10 Million
Cover length
Up to 18 months or until work commences (including but not limited to site clearance, demolition or construction) - whichever is sooner. This can be extended
Additional cover
£50k Legal Expenses
Period of cover
From the point at which you own a plot of land and can demonstrate the intent to use it for a self-build project, up to the point immediately before work starts (including but not limited to site clearance, demolition or construction)
Eligibility
tick1 Planning to build your property to live in, sell or rent out on completion

tick1 Already have a plot intended for self-build project

tick1 Located in the UK or Northern Ireland

tick1Work has not started on the self-build site (including but not limited to site clearance, demolition or construction)

We also offer Structural Warranty, Self-Build insurance and Renovation & Conversion policies. If you’re looking to sell or rent out the completed self-build property, please visit our SelfBuild Pro page.

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FAQs

Please visit our Frequently Asked Questions page.

Download documents

Our Policy Wordings may be found here.

Other useful tips

News and Views about homes and self-building.

If you need further information call us on 0800 230 0225 to speak to one of our UK based team between 8am to 8pm Monday to Thursday, and 8am to 6.30pm Friday. Alternatively, complete our Call Me form and one of our specialist team members will give you a call.

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