SelfBuild Site Liability cover at a glance…
Eligibility
Planning to build your property to live in, sell or rent out on completion
Already have a plot intended for self-build project
Located in the UK or Northern Ireland
Work has not started on the self-build site (including but not limited to site clearance, demolition or construction)
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 cover
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.