Protect your project against any eventuality by putting insurances in place before work starts

What do I need insurance for?

Insurance protects your build against theft or natural damage and covers liability claims against you for accidents and injuries that could occur on site.

What are the different types of insurance?

Building insurance – covers risks to the existing building.

Public liability insurance – covers claims brought against you by a third party or member of the public.

Employer’s liability insurance – covers any subcontractors you employ that are working on site.

Do I need to have them all?

Insurance isn’t a legal requirement, however it is strongly recommended. Thankfully there are a number of companies who provide specialist self-build insurance that incorporates all of the above together.

How much will it cost?

Prices vary, but expect to pay about 0.5 per cent of your build cost.

Useful Contacts

BuildStore: www.buildstore.co.uk
Self-build Zone: www.selfbuildzone.com
Project Builder: www.siteinsurance.net
Atkinson Smith/DMS: www.selfbuildonline.co.uk

Illustration: Ryan Welsh