Property Developer Insurance

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Complete Protection for Your Development Projects

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We compare quotes from leading insurers

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

Protect Your Property Developer Business with Specialist Insurance Coverage

Comprehensive insurance solutions designed specifically for property developers, construction companies, and real estate investors across the UK.

Comprehensive Property Developer Insurance Coverage

Our property developer insurance provides complete protection for all aspects of your development projects, from ground breaking to final handover.

Contract Works Insurance

  • Construction materials and works in progress
  • Plant, equipment, and temporary buildings
  • Fire, theft, and weather damage protection
  • Vandalism and malicious damage cover
  • Debris removal and site clearance
  • Professional fees and additional costs
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Public Liability Insurance

  • Third party injury and property damage
  • Site visitor and neighbor protection
  • Construction-related accidents
  • Dust, noise, and vibration claims
  • Legal defense and court costs
  • Emergency response expenses
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Employers Liability Insurance

  • Construction worker injury claims
  • Occupational disease coverage
  • Site safety incident protection
  • Subcontractor liability coverage
  • Legal representation costs
  • Rehabilitation and support services
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Professional Indemnity Insurance

  • Design and specification errors
  • Planning and consultation mistakes
  • Project management failures
  • Breach of professional duty
  • Negligent advice claims
  • Document and contract errors
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Product Liability Insurance

  • Defective construction materials
  • Faulty workmanship claims
  • Building defect liability
  • Post-completion property issues
  • Consumer protection claims
  • Recall and remediation costs
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Property and Equipment Insurance

  • Site offices and temporary structures
  • Construction plant and machinery
  • Tools and equipment protection
  • Materials storage coverage
  • Business interruption protection
  • Theft and vandalism cover
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Property Development Risks We Cover

Construction and Site Risks

  • Fire damage during construction phases
  • Weather-related damage and delays
  • Theft of materials and equipment
  • Vandalism and site security breaches
  • Ground conditions and subsidence
  • Structural collapse and instability
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Professional and Design Risks

  • Architectural and engineering errors
  • Planning permission complications
  • Building regulation compliance failures
  • Specification and material selection mistakes
  • Project management and coordination errors
  • Cost estimation and budget overruns
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Third Party and Neighbor Risks

  • Damage to adjacent properties
  • Noise, dust, and vibration complaints
  • Access and right of way disputes
  • Utility service disruptions
  • Traffic and pedestrian safety issues
  • Environmental contamination claims
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Financial and Legal Risks

  • Contract disputes and delays
  • Defective workmanship claims
  • Professional negligence allegations
  • Regulatory investigation costs
  • Legal action and court proceedings
  • Settlement and compensation payments
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Why Choose Insure24 for Property Developer Insurance?

  • Construction Expertise - Specialized knowledge of property development risks, construction processes, and industry-specific challenges across all project types.
  • Flexible Coverage - Tailored policies that adapt to different project phases, from land acquisition through to completion and handover.
  • Multi-Project Protection - Annual policies covering multiple developments or project-specific coverage for individual developments of any size.
  • Fast Claims Service - Rapid claims processing with construction industry specialists who understand the urgency of development timelines.
  • Risk Management Support - Proactive risk assessment services, site safety guidance, and loss prevention advice to minimize project risks.
  • Competitive Rates - Competitive pricing based on your experience, project types, safety record, and overall risk management approach.
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How to Get Property Developer Insurance

  • 1. Project Assessment - Discuss your development projects, construction methods, and specific insurance requirements with our specialists.
  • 2. Risk Evaluation - We'll assess your project risks, safety procedures, and previous experience to determine appropriate coverage levels.
  • 3. Tailored Quotation - Receive a comprehensive quote covering all necessary insurance elements for your development activities.
  • 4. Policy Activation - Once approved, we'll implement your coverage and provide ongoing support throughout your projects.
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Regulatory Compliance and Standards

Our property developer insurance policies ensure compliance with:

  • Construction (Design and Management) Regulations 2015
  • Health and Safety at Work Act 1974
  • Building Regulations and Building Safety Act
  • Employers Liability (Compulsory Insurance) Act 1969
  • Environmental Protection Act requirements
  • Planning and development consent obligations
  • Professional indemnity requirements for RICS members
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Quote icon

I just bought an Insure24 property developer insurance policy, for my business partner's and me, and saved £1205 a year! 

Jimmy Bendon , Bendon Construction 

UNIQUE INSURANCE
TAILORED FOR YOU 

Why Choose Insure24 for Property Developer Insurance?

  • Specialist Knowledge - We understand the unique risks facing property developer operators
  • Comprehensive Coverage - Multiple insurance products designed to work together
  • Competitive Pricing - Tailored quotes based on your specific venue and operations
  • Expert Support - Dedicated team available when you need us most
  • Quick Claims - Fast response when incidents occur
  • FCA Regulated - Authorized and regulated by the Financial Conduct Authority
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Protect Your Property Developer Business with Specialist Insurance Coverage

Get Your Property Developer Insurance Quote Today

Don't leave your developments exposed to unnecessary risks.

Our specialist team will assess your venue's unique needs and provide a comprehensive insurance solution that protects your business, your customers, and your livelihood.

Call us now: 0330 127 2333

Or get an instant online quote at insure24.co.uk

FREQUENTLY ASKED QUESTIONS

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What types of property development projects are covered?

We cover all types of property development including residential housing, commercial buildings, mixed-use developments, renovations, conversions, and infrastructure projects of any size

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Do I need separate insurance for each development project?

You can choose either annual aggregate policies covering multiple projects or project-specific policies for individual developments. We'll recommend the most cost-effective approach based on your development activity

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What is contract works insurance and why do I need it?

Contract works insurance covers the construction works, materials, and plant during the development process. It protects against fire, theft, weather damage, and other risks that could delay or damage your project

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Are subcontractors covered under my policy?

Our policies can include coverage for subcontractors working on your projects, but we recommend ensuring all subcontractors have their own appropriate insurance as well

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What happens if there's damage to neighboring properties?

Our public liability coverage protects against claims for damage to adjacent properties, including structural damage from excavation, vibration, or other construction activities

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Does the policy cover design and planning errors?

Yes, our professional indemnity coverage includes protection against claims arising from design errors, planning mistakes, and professional negligence in project management

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What is the typical cost of property developer insurance?

Costs vary based on project value, location, construction type, and your experience. Small residential projects may cost £1,000-£3,000 annually, while large commercial developments can range from £5,000-£25,000+

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Can I get coverage for projects already under construction?

Yes, we can provide coverage for ongoing projects, subject to a site inspection and assessment of the current construction phase and any existing risks

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What documentation do I need for a quote?

We typically need project details, construction values, timelines, previous experience, safety procedures, and details of any subcontractors or professional consultants involved

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What documentation do I need for a quote?

We typically need project details, construction values, timelines, previous experience, safety procedures, and details of any subcontractors or professional consultants involved

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Are there any exclusions I should be aware of?

Standard exclusions include wear and tear, design defects (unless covered by professional indemnity), war risks, and nuclear risks. We'll provide full policy terms during the quotation process

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Can I get coverage for renovation and conversion projects?

Yes, we provide specialized coverage for renovation, refurbishment, and conversion projects including listed buildings, commercial conversions, and residential refurbishments

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What happens if my project is delayed?

Our policies can include coverage for additional costs arising from delays due to insured events, including extended site security, temporary accommodation, and professional fees

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Do you cover international development projects?

Our primary focus is UK-based developments, but we can arrange coverage for UK companies working on projects abroad through specialist international construction insurance

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How does professional indemnity work for property developers?

Professional indemnity covers claims arising from errors in design, project management, advice given to clients, and breaches of professional duty in your development activities

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What about coverage for environmental risks?

We offer environmental liability coverage for pollution incidents, contamination cleanup, and environmental damage claims that may arise during construction activities

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Can I add new projects to my policy during the year?

Yes, annual policies allow you to add new projects throughout the policy period, with coverage typically starting immediately upon notification and premium adjustment

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What insurance do I need for property development finance?

Most lenders require comprehensive coverage including contract works, public liability, employers liability, and professional indemnity insurance as conditions of development finance

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Are there discounts for experienced developers?

Yes, we offer preferential rates for developers with good track records, established safety procedures, and experience in similar project types

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What happens if I need to make a claim?

Contact us immediately on 0330 127 2333. We provide 24/7 claims reporting and have specialist construction claims handlers who understand development project urgencies

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Do you cover self-build and custom build projects?

Yes, we provide coverage for self-build homes, custom build projects, and individual house construction with appropriate coverage for non-professional developers

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What about coverage for plant and equipment hire?

Our policies can include coverage for hired-in plant and equipment, or we can arrange separate plant insurance for owned construction equipment and machinery

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How does product liability work for completed developments?

Product liability covers claims arising from defects in completed buildings, including structural issues, faulty installations, and problems with materials or workmanship after handover

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Can I get coverage for joint venture developments?

Yes, we can arrange coverage for joint venture projects with appropriate coverage for all parties involved and clear definition of responsibilities and liabilities

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What insurance do property investment companies need?

Property investment companies typically need property insurance, public liability, professional indemnity for investment advice, and management liability for directors and officers

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Are there payment options available for premiums?

We offer flexible payment terms including annual, quarterly, or monthly payment options to help manage cash flow during development projects

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What about coverage for affordable housing developments?

We provide specialized coverage for affordable housing, social housing, and housing association developments with appropriate coverage for regulatory requirements

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Do you provide risk management services?

Yes, we offer site safety assessments, risk management advice, and loss prevention guidance to help minimize risks and potentially reduce insurance costs

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