Non-Negligent Liability is a special type of insurance that covers claims from third parties for injury or property damage due to specified causes where negligence cannot be proven.
For example, if your neighbour’s property is damaged due to your building works but fault cannot be proven against anyone, this insurance can be used. Legally under the Party Wall Act 1996, homeowners undertaking works could be forced to pay for neighbouring injury or damage so Non-Negligent Liability insurance is used to meet this legal obligation where the contractor’s insurance will not pay.
