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Reading the risk
For: Self-builder
We couldn't tell the trade from that, so these are the broad commercial markets. Add the trade and the class of cover for a sharper list.
What underwriters will focus on
Self-build project needing contract works cover and a review of site liabilities; any structural warranty should be considered separately. Underwriters will focus on project value, construction method, works already started and who manages and carries out the build.
Where to start
Submit to underwriter · Own portal: Build-Zone online quotation request (SchemeServe) Source
Latent defectsCAR
AXA Insurance UK; MSIG Europe; AXIS (Lloyd's Syndicate 1686); HSB Engineering Insurance (varies by product) Source
Quote online (own portal) · Victor for Brokers Source
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We found 120 UK markets that write self-builder risks: 32 insurers, 85 MGAs and 3 Lloyd's markets. Commonly listed: Build-Zone, Victor Insurance.
A combined site policy covering the works, public liability and employers' liability during the build is the usual need. Build method, contract value, who manages the trades and any existing structure all shape the risk.
self build project, custom build, owner builder, DIY house build