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Digital Subscriptions > Build It > March 2017 > Understanding site insurance

Understanding site insurance

Getting the right policy in place to protect your site and self build or renovation project, both before and during works, is hugely important, says Tim Doherty

S ite insurance is something that every self builder should have from the moment they become a landowner. Fundamentally, it protects you, your plot and your project against a wide variety of risks. However, as with all things related to creating your own home, there are confusing elements and grey areas that are worth understanding before you finalise your policy. Note that the proper term used in the industry is ‘site insurance’, as opposed to ‘self build insurance’. The latter label is sometimes referred to by members of the public as a generic term to include structural warranties.

Site insurance doesn’t need to be expensive (and in the context of a major project, it won’t be). Costs are based upon your project type, size, value, duration and location. In its most basic form, a policy should include ‘contractors’ all risks’, in other words it will need to cover you for loss of or damage to the contract works. Employer’s liability and public liability cover will almost always be included and there should be options for legal expenses, personal accidents and contractual liability, amongst many other potential options.

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About Build It

The March edition of Build It magazine brings you all the inspiration & practical advice you need to complete your home building project on time and on budget, including: • A traditional timber frame house on a quiet Hampshire plot (page 22) • How to build an oak frame home on a budget (page 68) • What you need to know about underfloor heating (page 75) • Windows for renovations (page 78) • How to combine renewables (page 86) • Adding wow factor (page 92) • Common renovation mistakes (page 104) … and more!