SelfBuild Site Liability Insurance

  • Public Liability cover up to £5M to protect you and your project
  • Employers' Liability cover of £10M
  • Optional £50K Legal Expenses

Product Features

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

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

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

Call us for a quote on 0800 230 0225

SelfBuild Site Liability cover at a glance…

Public liability
Up to £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

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.

Call us for a quote on 0800 230 0225

Other SelfBuild Products and Information

Site Insurance

Designed to cover you against third party loss, damage or injury on your self-build site before work starts.

Find out more

Renovation & Conversion

Decided to convert, renovate or extend your existing property? This is the insurance cover for you.

Find out more

FAQs

Building your own home is exciting, but can be daunting, so we've compiled a list of FAQs to help.

Find out more