BuildCare Pro Site and Renovation Insurance
BuildCare Pro Site and Renovation Insurance is a specialist insurance cover for people developing properties for profit. So, if the unexpected happens, you have peace of mind that your development will continue as planned.
BuildCare Pro Site and Renovation Insurance has been developed by BuildStore in conjunction with Zurich Insurance Services and provides cover for all aspects of your site:
Property
‘All risks’ cover for a development project including:
- Building works, temporary works and materials whilst on site or in transit to the site
- Plant, tools and equipment owned by the insured
- Site huts and temporary buildings
- Property hired by the insured
Existing Structure
For a renovation or conversion project, cover can be extended to the existing structure.
Liabilities
- Public liability cover in respect of death, injury or disease to third parties.
- Employer’s liability in respect of the insured’s legal liability for bodily injury, death or disease to employees or labour only subcontractors, arising out of and in the course of their employment by the insured in connection with the development project.
As soon as you own a plot or property for renovation you become liable for any injuries to members of public on the site. Additionally, all lenders will insist that you have adequate site insurance in place before they will release any funds so it is crucial to arrange your policy as soon as possible. Our cover is highly competitive and great value for money so call now for a personalised quote and start protecting your project with BuildCare Pro.
Period of Insurance
Cover can be arranged for 3, 6, 9, 12 or 18 months. If the build or renovation is not complete within this time, cover can be renewed in three or six monthly intervals for up to a further year.
Excesses
A £250 excess applies to all claims under the 'Property' section and in the case of employee’s personal tools and effects, the first £50.
FREE buildings and contents cover
If your development is complete before the period of insurance ends you will receive cover for the building plus £5,000 showhouse contents insurance at no additional charge for the remainder of the term.
Call 0845 223 4888 to speak to an advisor or request a call back online.
Lines are open between 8.30am and 7.00pm Monday to Thursday, 8.30am to 5.00pm on Friday and 10.00am and 1.00pm on Saturday.
| Item | Sum insured limit of indemnity | Included as Standard | Optional extensions |
|---|---|---|---|
| Public liability | £5 million | Yes | - |
| Employer’s liability | £10 million | Yes | - |
| Building in the course of construction | Cost of reinstatement | Yes | - |
| Plant, tools and equipment (owned by the insured) | £30,000 (£20,000 maximum article limit) |
Yes | - |
| Property hired by insured | £30,000 (£20,000 maximum article limit) |
Yes | - |
| Site huts, temporary buildings and caravans | £30,000 | Yes | - |
| Contents cover for site huts, temporary buildings and caravans | £5,000 | Yes | - |
| Existing Structure | Value of existing structure | - | Yes |
| Buildings and contents cover if build completes within the term | Cover for building plus £5,000 cover for showhouse contents for the remainder of the term. | Yes | - |
