Meabh Posted March 23, 2023 Share Posted March 23, 2023 We are knocking down a bungalow and rebuilding using - Demo Company - ICF company to weathertight (they will do windows) - Flat roofing company - Render company - Builder for the interior fit out (he will manage the subcontractors) They all have their own insurances but we are concerned about gaps between handovers or eg if the render co is on site at the same time as the internal builders. We aren't using 1 main contractor but we also aren't "employing our own trades" so can't get our head around where we sit on the "self build insurance" scale. We are getting quotes of about £2k for 12 mths for public liability & rebuild. What have others done? Many thanks Link to comment Share on other sites More sharing options...
PeterW Posted March 23, 2023 Share Posted March 23, 2023 Standard self build insurance, unless you’re hiring in your own kit then don’t bother with hired in plant, and make trades accountable for their own tools. Link to comment Share on other sites More sharing options...
JohnMo Posted March 23, 2023 Share Posted March 23, 2023 I had none, told all trades to take their tools home at night. All companies should have have their own liability insurance etc. Link to comment Share on other sites More sharing options...
Russell griffiths Posted March 23, 2023 Share Posted March 23, 2023 52 minutes ago, JohnMo said: I had none, told all trades to take their tools home at night. All companies should have have their own liability insurance etc. What would have happened if it burned down one night. Link to comment Share on other sites More sharing options...
nod Posted March 23, 2023 Share Posted March 23, 2023 We’ve insured for fire theft Vandalism Any materials onsite and liability to the public about 1900 for two years As above all trades will have there own liability Ask to see it Don’t leave anything valuable onsite Link to comment Share on other sites More sharing options...
Meabh Posted March 23, 2023 Author Share Posted March 23, 2023 35 minutes ago, nod said: We’ve insured for fire theft Vandalism Any materials onsite and liability to the public about 1900 for two years As above all trades will have there own liability Ask to see it Don’t leave anything valuable onsite Who did you use? Thanks Link to comment Share on other sites More sharing options...
JohnMo Posted March 23, 2023 Share Posted March 23, 2023 1 hour ago, Russell griffiths said: What would have happened if it burned down one night Walls are woodcrete ICF, so don't burn easily. Everything else effectively self insured. Someone stole a wheel barrow, that was all, so I was lucky. Link to comment Share on other sites More sharing options...
Kelvin Posted March 23, 2023 Share Posted March 23, 2023 7 minutes ago, Meabh said: Who did you use? Thanks Ours is with Protek and just under £1000 for 12 months. Similar level of cover as above. 1 Link to comment Share on other sites More sharing options...
Meabh Posted March 23, 2023 Author Share Posted March 23, 2023 1 hour ago, Russell griffiths said: What would have happened if it burned down one night. This is our concern - if there is a gap between contractors (even for a few days)... Link to comment Share on other sites More sharing options...
nod Posted March 24, 2023 Share Posted March 24, 2023 18 hours ago, Meabh said: Who did you use? Thanks Protek 1 Link to comment Share on other sites More sharing options...
Blooda Posted March 24, 2023 Share Posted March 24, 2023 We had ProActive self build insurance. Bought through the Insurance broker in our village. I think we started out with 1 year (Feb 20, pre COVID), then extended 6 month, and again 6 months, and then had to extend monthly for 4 months. about £1k a year, We did get stung when we had to increase the sum insured on the buildings when we took out our self build mortgage and they came up with a rebuild figure higher than we originally had insured for. The Selfbuild mortgage lender, wanted employers liability, public liability, and buildings, all of which we had in the self build insurance policy anyway. 1 Link to comment Share on other sites More sharing options...
Kelvin Posted March 24, 2023 Share Posted March 24, 2023 18 hours ago, Meabh said: This is our concern - if there is a gap between contractors (even for a few days)... In my case I felt £1000 for peace of mind relative to the overall cost of the build was inconsequential regardless of what insurance the contractors had. 1 Link to comment Share on other sites More sharing options...
saveasteading Posted March 24, 2023 Share Posted March 24, 2023 If anything was to happen on site, it is very likely that you would be involved in any legal proceedings. You must have insurance, then your people can argue with theirs. Your cover must also be comorehensive enough that the insurers first action is to deny cover. 1 Link to comment Share on other sites More sharing options...
saveasteading Posted March 24, 2023 Share Posted March 24, 2023 That should be " not" to deny cover. Never discount the effect of daytime television, "have you had a accident". They will go after all parties hoping for a payoff or more. Your insurer should take the argument off your hands. And as I have said umpteen times...keep a project diary of personnel on site, what they are doing, and anything of note. 1 Link to comment Share on other sites More sharing options...
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