Construction sites are intrinsically dangerous places. You have a responsibility towards others, be they visitors, contractors or employees. Some responsibilities that you can not outsource and it is important to understand how you are exposed in your type of project.
Owners: although you may not be running the site of your contract, you still have a liability exposure as the owner of the property. Does this apply to you?
Project responsibility: if you or a qualified person is managing the project on your behalf using subcontractors, this may apply to you.
Employer responsibility: if you are managing subcontractors who only work as part of the project, you will almost certainly need this type of coverage.
Underground: the location of your project in relation to others may have an effect on the rating of your liability insurance.
Location: the location of your renovation influences how the insurers of responsibility perceive your project.
Pollution: If your work includes stacking, drilling or removing asbestos, contamination could be a problem.
Construction, design and management (CDM) regulations: apply to projects that exceed a certain size and were created to make construction sites safer.
Health and safety: if your project uses only one contractor, health and safety considerations may differ. But, what if you use multiple contractors?
Talk to the Renovation insurance brokers for more information about liability insurance for your renovation project. Get in touch on or call 08442 641200.
Video credits to Renovation Insurance Brokers YouTube channel