An Introduction to Site Insurance & Warranties PLUS Information about Contracts & Health & Safety
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Transcript of An Introduction to Site Insurance & Warranties PLUS Information about Contracts & Health & Safety
An Introduction to Site Insurance & Warranties PLUS Information about
Contracts & Health & Safety•Self Build
•Extension
•Renovation
•Conversion
•Improvement
Is it a plot or a renovation project? Either way it’s going to need specialist
cover.
Renovation Insurance
Home Insurance
EXCLUDES
this!
Extension Insurance
Home Insurance
Exclusions
Remember, the project you are embarking on is unique, so deal with an expert that understands
that.
Self-Build Insurance
£270,000
£561 premium
Site Insurance
Legal Expenses
Structural Warranty
New Build
Site Insurance
Existing Structure
Legal Expenses
Possibly a Structural Warranty
Conversion
Extension
Renovation
Flat Conversion
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.
Site Insurance
New Works
Public Liability
Employers Liability
Plant & Equipment
Caravan & Contents
Personal Possessions
Personal Accident & Broken Bones
Legal Expenses
Has work started?
Site Insurance
Arrange this PRIOR to submitting a Building
Regulation Application to SAVE money.
Structural Warranty
We can cover properties that have been
completed and require a warranty retrospectively
to sell on.
Party Wall Liability
You are contractuallyresponsible for damage
to the Party Wall so make sure it’s covered.
Some general tips...
ContractsJust how trusting are you
going to be?
Claims
Some general tips...
ID Visitors/Delivery Drivers
Out of Sight out of Mind
Some general tips...Security
Health & SafetySome general tips...
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
Health & SafetySome general tips...
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
My contractor has Insurance already, do I need Site Insurance?
FAQ
Do I have to have Site Insurance or a Structural
Warranty?
FAQ
Thanks for listening, are
there any questions?
We are on stand
D21