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Self Build Insurance
How to Protect yourself with Self Build Insurance
Let’s start off with a quick definition of what Self Build Insurance is. Principally, if you’re building a new house from the ground up or even adding to it, such as an extension, you would need to take out ‘self build insurance’.
And because it is a big undertaking that you’re doing yourself, it is important you are fully covered as there are many traps you could fall into when you build your own.
A standard house or property insurance policy does not cover you fully nor does a Contractor’s All Risks policy.
And if your Property is Unoccupied you should read this.
Here’s some of the stuff you would need Self Build Insurance to cover:
- Site Insurance (or Contract Works) covers the risks associated with the building process from the ground up till project is finalised
- Equipment & Plant covers machinery, equipment and tools (whether your own or hired in) for fire and theft
- Public Liability covers you for injury or damage to third parties (eg., kids who may wonder on your site and injure themselves)
- Employers Liability covers you for any injury to people you ‘employ’ whether directly or indirectly including sub contractors
- Latent Defects (WARRANTY INSURANCE type) can cover you for any faulty design or worksmanship which may arise to a future buyer once you’ve sold on your property
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