Site Insurance and Warranties

1. An Introduction to Site
Insurance & Warranties
PLUS Information about
Contracts & Health &
•Self Build Safety
•Extension
•Renovation
•Conversion
•Improvement

2. Is it a plot or a renovation
project? Either way it’s
going to need specialist
cover.
Renovation Insurance

3. Home Insurance
EXCLUDES
this!
Extension Insurance

4. Home Insurance
Exclusions

5. Remember, the project
you are embarking on is
unique, so deal with an
expert that understands
that.
Self-Build Insurance

6. £270,000
£561 premium

7. New Build
Site Insurance
Legal Expenses
Structural Warranty

8. Conversion
Extension
Renovation
Flat Conversion
Site Insurance
Existing Structure
Legal Expenses
Possibly a Structural
Warranty

9. Site Insurance
Site Insurance covers
Extensions, Renovations,
Conversions and New
Build projects and should
be purchased when you
exchange contracts on
the plot or building you
wish to extend.

10. Site Insurance
New Works
Public Liability
Employers Liability
Plant & Equipment
Caravan & Contents
Personal Possessions
Personal Accident &
Broken Bones
Legal Expenses
Has work started?

11. Structural Warranty Arrange this PRIOR to
submitting a Building
Regulation Application to
SAVE money.
We can cover properties
that have been
completed and require a
warranty retrospectively
to sell on.

12. Some general tips...
Party Wall Liability
You are contractually
responsible for damage
to the Party Wall so make
sure it’s covered.

13. Contracts
Just how trusting are you
going to be?

14. Some general tips...
Claims

15. Some general tips...
Security
ID Visitors/Delivery
Drivers
Out of Sight out of Mind

16. Some general tips... Health & Safety
You will have duties under
workplace health and safety law if:
a) you intend to sell the property
on completion, in which case
they would be considered to
be a developer
b) you directly employs (even if
only temporarily), workers to
build the property
c) you choose to manage the
project taking on contractors to
do the work

17. Some general tips... Health & Safety
Your Involvement Application of Health & Safety at Work
Legislation
Level 1 
Entirely DIY – not selling on completion
Level 2
Self-managed with own labour & Subcontractors 
Level 3
Self-managed with own subcontractors 
Level 4
Kit Home with self-managed trades  at the point the kit supplier hands over.
Level 5
Watertight Shell with self-managed finishes  at the point the contractor hands over.
Level 6 
Turnkey project with active client
Level 7 
Custom Homebuilding

18. FAQ
My contractor has
Insurance already, do I
need Site Insurance?

19. FAQ
Do I have to have Site
Insurance or a Structural
Warranty?

20. Thanks for listening, are
there any questions?
We are on stand
D21