House Builders Insurance

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Insurance for residential builders working on houses, private dwelling projects, extensions, refurbishments and domestic new-build sites.

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Residential builder insurance for house-building work

House building can involve contract works, materials, foundations, structural work, extensions, refurbishments, subcontractors, plant, neighbouring property and domestic site liability.

Insurance for House Builders

House builders insurance is for builders and residential contractors working on private dwelling houses, domestic new builds, extensions, refurbishments, renovations, structural alterations, garages, outbuildings and small residential developments.

The policy should reflect the real work carried out, including whether projects are new-build, alteration and repair, all-premises, subcontracted, self-build, developer-led or carried out directly for homeowners.

Who This Page Is For

Builders constructing new houses, extensions, garages, outbuildings and residential structures.
Domestic contractors working on private dwelling houses and small residential developments.
Businesses carrying out refurbishment, alteration, repair and renovation work on homes.
Contractors using employees, labour-only subcontractors, bona fide subcontractors, tools, plant and site materials.

What Cover Can Include

Public liability for injury or property damage involving clients, visitors, neighbours or third parties.
Employers' liability for employees, apprentices, labour-only subcontractors and supervised workers.
Contract works cover for partially completed work, temporary works, materials on site and domestic site property.
Tools, owned plant, hired-in plant, site huts, welfare units, legal expenses and commercial vehicle cover.
Professional indemnity where design, specification, advice, surveying or technical recommendations are provided.

House Building Risk Areas

House builders can face claims involving injury on site, damage to neighbouring property, defective work allegations, fire, theft of materials, storm damage to unfinished works, water ingress, temporary works failure, plant accidents, subcontractor activity, utilities, foundations, structural openings and disputes before completion or handover.

Insurer Questions

Do you build new houses, alter existing homes or work across all premises?
What are your 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 you use employees, labour-only subcontractors or bona fide subcontractors?

Contract Works and Materials

Contract works cover can protect partially completed house-building works, temporary works and unfixed materials against insured damage before practical completion.

Domestic Sites and Neighbours

Residential work often happens close to occupied homes, adjoining property, pavements, utilities and customer possessions, so liability and site controls need careful review.