Limit of Liability

[climbinggeorge]

I've just been reading through our site insurance and saw the below:

 

Quote

Item 3: Site Huts and Temporary Buildings and Contents - COVERED
Site Huts and Temporary Buildings and Contents thereof (excluding Property as described in Items 2, 4 and 5) owned by the Insured or for which the Insured is responsible.
The Limit of Liability under this Item shall not exceed £0

My reading of that is that we are covered, except that the insurers would not pay out anything greater than zero for anything related to site huts etc?

 

The main item - the actual build is covered but a lot of the extras around site are not.
 

[Russell griffiths]

I don’t see this as much of a problem, not sure why you need to insure the site hut, add in tool insurance if you want and plant insurance, but I have generally found that in 35 years of building related work I have only ever made one claim for a trailer I had stolen. 

Minor thefts from site you normally take it on the chin as after you pay the excess it’s hardly worth the bother. 

 

If its worth more than £500 it doesn’t get left on site. 

[climbinggeorge]

That makes sense, thanks.
My partner took out the insurance a few months ago I'm just trying to play catch up as we are (finally!) reaching the next stage of the build