Builder PDH New Insurance

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Insurance for builders constructing new private dwelling houses, where contract works, materials, foundations, subcontractors, tools, plant and domestic site liability need careful treatment.

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Domestic new-build insurance for builders

Private dwelling house new-build work can involve contract works, foundations, site materials, temporary works, plant, subcontractors, neighbouring property, utilities and handover requirements.

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

Insurance for PDH New-Build Builders

Builder PDH new insurance is designed for builders constructing new private dwelling houses, including single homes, small domestic developments, detached houses, extensions that become new dwellings, garages, outbuildings and associated domestic site works. The cover conversation usually needs to reflect project values, contract works, materials, plant, subcontractors, site security and domestic client requirements.

This page is distinct from PDH alteration and repair insurance because the main exposure is a new domestic structure under construction, not work around an existing occupied home.

Who This Page Is For

  • Builders constructing new private dwelling houses for homeowners, developers or small residential clients.
  • Domestic new-build contractors working on single plots, self-build projects, small developments and residential sites.
  • Contractors using employees, labour-only subcontractors, bona fide subcontractors, tools, plant, temporary works and hired-in equipment.
  • Businesses that need evidence of cover for clients, lenders, warranty providers, principal contractors or project owners.

What Cover Can Include

  • Public liability for injury or property damage involving visitors, neighbours, third parties or site operations.
  • Employers' liability for employees, apprentices, labour-only subcontractors and supervised workers.
  • Contract works cover for the new dwelling, temporary works, materials on site and partially completed structures.
  • Tools, owned plant, hired-in plant, site huts, welfare units, legal expenses, commercial vehicle and optional professional indemnity where design or advice is involved.

Why PDH New-Build Work Is Different

Private dwelling new-build projects can involve foundations, drains, utilities, structural works, weather exposure, staged payments, site theft, neighbouring property exposure, building control requirements and handover deadlines. Damage before completion can create reinstatement costs, delay costs and disputes over who is responsible for the works, materials and site property.

Builder PDH new insurance

Underwriting Questions

  • What type of private dwelling houses are built?
  • What are the usual and maximum contract values?
  • Are foundations, excavation, structural works or temporary works involved?
  • Who is responsible for contract works, materials and site security?
  • Do contracts or warranty providers require specific cover limits?

Contract Works and Materials

Contract works cover can protect partially completed domestic new-build works, temporary works and unfixed materials against insured damage before completion. It is often central to private dwelling new-build insurance because the value at risk increases as the build progresses.

Subcontractors, Warranty and Handover

Insurers usually want to understand labour setup, subcontractor checks, RAMS, plant use, site security and who is responsible for defects, damage and handover obligations. Structural warranty or latent defects cover may need separate review where required by buyers or lenders.

Related Pages

BUILDER PDH NEW INSURANCE FAQS

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What does builder PDH new insurance cover?

It can include public liability, employers' liability, contract works, tools, owned plant, hired-in plant, materials, temporary works, site property, legal expenses and commercial vehicle cover depending on the project.

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What does PDH mean for builder insurance?

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

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Do private dwelling new-build builders need contract works cover?

Often yes, because partially completed homes, site materials, temporary works and site property can be damaged before practical completion or handover.

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What information helps insurers quote?

Insurers usually want project types, contract values, labour setup, subcontractor use, contract works values, plant, site security, claims history and required liability limits.