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  4. Can you insure self-build

Can you insure self-build projects?

We can insure:

  • Self-managed – where the property owner is managing a series of contractors, but not undertaking the works with his/her own hands

We can’t insure:

  • Pure self-build projects – where the property owner is physically undertaking the work, whether this includes additional labour sourced elsewhere or not

With a self-managed project, in addition to the standard risk information requested on our proposal form we also need to know:

  • What project management experience the self-builder has.
  • Who is responsible for health and safety on site?
  • Whether the CDM regulations apply?

If it transpires that a self-builder has limited experience, and has not adequately considered the H&S implications and CDM regulations, then we may decline the risk.