Builder PDH Alteration & Repair Insurance

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Insurance for builders carrying out alteration and repair work on private dwelling houses, where existing structures, customer property, tools, contract works and site liability need careful treatment.

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Domestic alteration and repair insurance for builders

Private dwelling house work can involve occupied homes, existing structures, customer possessions, temporary works, extensions, repairs, materials and subcontractors. The insurance should reflect the domestic site reality.

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for PDH Alteration and Repair Builders

Builder PDH alteration and repair insurance is designed for builders working on private dwelling houses, including extensions, internal alterations, structural openings, repairs, refurbishments, reinstatement, wall repairs, floors, kitchens, bathrooms, garages and other domestic building work.

This page is distinct from commercial alteration and repair insurance because the main exposure is domestic property, homeowners, neighbours, occupied homes and smaller private contracts rather than offices, shops, industrial units or trading premises.

Who This Page Is For

  • Builders carrying out alteration, repair, refurbishment or reinstatement work in private homes.
  • Domestic building contractors working on extensions, layouts, openings, walls, floors, garages and outbuildings.
  • Small building firms using employees, labour-only subcontractors, bona fide subcontractors, tools, plant or hired-in equipment.
  • Self-employed builders who need evidence of public liability, tools or contract works cover for homeowner jobs.

What Cover Can Include

  • Public liability for injury or property damage involving homeowners, visitors, neighbours or members of the public.
  • Employers' liability for employees, apprentices and labour-only subcontractors where required.
  • Contract works cover for alteration works, temporary works, materials and partially completed domestic repairs.
  • Tools, plant, hired-in plant, business equipment, legal expenses, personal accident and commercial vehicle cover.

Existing Structures and Domestic Property Risk

Domestic alteration and repair work usually interacts with existing homes, utilities, finishes, garden areas, neighbouring property and customer possessions. Claims can involve escape of water, accidental damage, dust, impact, structural movement, defective temporary protection, theft from site, weather damage or disputes over partly completed work.

Builder PDH alteration and repair insurance

Underwriting Questions

  • What domestic work is carried out?
  • Are homes occupied during the works?
  • Do you undertake structural openings, extensions or roof work?
  • What are the usual and maximum contract values?
  • Do you use subcontractors, heat work, plant or hired-in equipment?

Public Liability and Homeowner Claims

Public liability can help with injury or property damage claims linked to domestic building work. For private dwelling houses, insurers often want to know how you protect existing finishes, neighbouring property, utilities, access routes and customer possessions.

Contract Works, Tools and Subcontractors

Contract works can be important where you are responsible for partly completed domestic work or materials on site. Tools, plant, labour setup and subcontractor checks also shape the quote, especially where several trades are coordinated on one home.

Related Pages

BUILDER PDH ALTERATION & REPAIR INSURANCE FAQS

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What does builder PDH alteration and repair insurance cover?

It can include public liability, employers' liability, tools, plant, contract works, materials, temporary works, existing structures and legal expenses depending on the policy.

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What does PDH mean for builder insurance?

PDH commonly refers to private dwelling houses, so this page is focused on domestic alteration and repair work rather than commercial premises or new-build developments.

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Do domestic alteration and repair builders need contract works cover?

Often yes, especially where the builder is responsible for partially completed works, site materials, temporary works or reinstatement after insured damage before completion.

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What information helps insurers quote?

Insurers usually want trade activities, domestic work types, contract values, labour setup, subcontractor use, tools and plant values, claims history and required liability limits.