Build Insurances > Site Insurance
Secure your build with Site Insurance
Protect your self-build investment from the moment you exchange contracts until completion with tailored, competitive cover. With our partner Protek, you can be confident your project is safeguarded every step of the way.
What is site insurance and why is it important?
Site insurance is your safety net during the self-build journey. It covers your project from the exchange of contracts right through to completion, protecting your works, materials, plant, and equipment from unexpected mishaps. Whether it’s fire, theft, vandalism, flood, or storm damage, this cover ensures you’re not left facing huge repair bills. And if you’re securing finance, every lender will insist on having site insurance in place, making it a must-have for peace of mind and financial security.
What should site insurance cover?
A robust site insurance policy should offer comprehensive protection across all aspects of your build. This means it typically includes:
Contractors All Risk: Covering common mishaps like fire, theft, vandalism, flood, and storm damage.
Employers’ Liability: Ensuring you’re covered for the welfare of anyone working on your site.
Public Liability: Protecting you if third parties or the public suffer damage or injury directly linked to your build.
Legal Expenses Insurance: Helping with any legal costs should disputes arise.
For those living on site, policies can also extend to cover caravans, site huts, and contents, to ensure you’re fully protected during your project.
What will my site insurance cost?
Site insurance premiums usually work on a single premium basis, calculated on the rebuilding costs of your project.
For a typical new build home of around 140m², you can expect costs between £600 and £1,200, although your exact premium will vary depending on your construction expenses. For renovations or conversions, the premium might be determined by a survey.
While self-build policies generally don’t cover personal possessions or furniture, once your project is complete and you transition your policy to household cover, these items can be included under standard terms with a buildings and contents policy.
We offer a FREE service to get an instant quote to give you a better idea of how much this will cost. Get started today by filling out our quick form.
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Frequently asked questions
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Site insurance is a policy that protects your self-build project from unforeseen events. It covers damages to works, materials, equipment, and liabilities from the moment you exchange contracts until your build is complete.
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Lenders require site insurance as a condition of financing your project, ensuring that your investment is safeguarded against risks like fire, theft, or natural disasters.
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A comprehensive policy generally covers Contractors All Risk, Employers’ Liability, Public Liability, and Legal Expenses Insurance. It can also be extended to cover on-site living accommodations if needed.
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For a new build of around 140m², premiums typically range from £600 to £1,200, based on your estimated rebuilding costs. Renovations and conversions might be assessed through a survey.
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Standard self-build policies don’t usually cover personal possessions or furniture. However, once the project is complete and the policy is converted to a household cover, these items can be included under normal household terms.