If you’re a developing one or more properties for sale or rental, you’ll likely have a range of insurance requirements, covering the point from which you have a self-build plot through to completion of the build.
We have produced the SelfBuild Insurance 5 minute guide to our products. In this guide, we set out in straightforward terms the policies that we offer, and how they are designed to protect self-builders and their projects.
This information is provided as a guide only, and if you have any doubts or questions, please give our expert team a ring on 0800 230 0225.
Full details of our Terms & Conditions, Limits, Excesses and Policy Exclusions can be found in our Policy Wordings. SelfBuild Insurance doesn’t offer advice relating to insurance, and you need to ensure that insurance you choose meets your demands and needs.
Q. Who is your SelfBuild Pro insurance designed to cover?
Q. What does your SelfBuild Pro insurance cover?
Q. How many sites can I insure?
Q. How long does a self-build pro insurance policy last?
Q. Who is your SelfBuild Pro insurance designed to cover?
A. Our SelfBuild Pro insurance is designed for commercial or professional self-builders, who are building one or more properties that they will either sell or rent out on completion. It includes a range of covers, though the cover that is available is different to our standard SelfBuild policy.
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Q. What does your SelfBuild Pro insurance cover?
A. Our SelfBuild insurance is designed to cover the period from the point at which the build phase starts, until build is complete – though it can also cover your site liabilities before work starts. The main covers that are available within this product are:
Public Liability: Your liabilities should someone be killed or injured while on your self-build site.
Employers’ Liability: Your liabilities should someone you employ be killed or injured while working for you.
Contract Works: The cost of replacing or repairing the structure that is being built.
Contractors All Risks: An alternative name for Contract Works.
Tools: The cost of replacing stolen portable tools that are owned by your employees.
Personal Belongings: The cost of replacing your belongings stored on site whilst you complete your build.
Buildings: The cost of repairing or replacing the finished property.
Contents: The cost of replacing contents within the finished property.
Materials: The cost of replacing materials you own that are stolen from your site.
Hired-in Plant: The cost of replacing and repairing Plant that you have hired, including hire charges that you may be liable for.
Owned Plant: The cost of repairing or replacing Plant that you have own, and that is stolen or damaged.
Temporary Buildings: The cost of repairing or replacing temporary buildings, such as portakabins, that are damaged while on site.
Each of these covers is discussed in more detail in our What is insurance for self-builders FAQ page.
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Q. How many sites can I insure?
A. We currently insure one site per policy. The number of properties that can be insured on the policy depends on the total Contract Works value of the properties being constructed.
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Q. How long does a SelfBuild Pro insurance policy last?
A. It depends. A SelfBuild Pro policy is designed to last from the start of construction through to completion. Every self-build project is different so you have the option of 3, 6, 9, 12, 18 or 24 months of cover. If you have a plan or schedule for your self-build project you should be able to determine how long construction will take and therefore how long a period of cover you need. If the build phase isn’t completed within the initial policy period, the policy can be extended up to 3 years.
This information is provided as a guide only, and if you have any doubts or questions, please give our team a ring on 0800 230 0225.
Full details of our Terms & Conditions, Limits, Excesses and Policy Exclusions can be found in our Policy Wordings. SelfBuild Insurance do not offer advice relating to insurance, and you need to ensure that insurance you choose meets your demands and needs.
back to top