Construction insurance
Project owner's liability
The liability of the owner who commissions construction, towards neighbours and third parties.
The essentials
As project owner, you may be held liable for damage caused to third parties by the site: cracks at the neighbour's, an accident on the public road.
Your standard liability insurance does not necessarily cover these situations, especially for major works.
The situations concerned
- Earthworks or foundation works.
- A site in a dense urban area.
- Demolition or major conversion.
How we support you
- Checking what your liability insurance already covers.
- Setting up specific cover if necessary.
- Preparing a record of the condition of neighbouring buildings.
Before deciding
Points to examine
- 01The value of works covered by your existing liability insurance.
- 02Damage caused by civil engineering works.
- 03Documenting the initial condition of neighbouring properties.
How it works
How we move forward together
- Step 1
Understand the project
Type of works, parties involved, timetable and contracts: we start from the actual project.
- Step 2
Allocate the risks
Who insures what between the project owner, contractors and consultants? We clarify responsibilities.
- Step 3
Put in place
Covers and guarantees are placed before work starts, with checked documents.
- Step 4
Follow the site
Amendments, changes to the timetable or the amount: the arrangements follow the progress of the works.
- Step 5
Close
Handover, end of guarantees and retention of the relevant documents.
Frequently asked questions
Your questions
Is my business liability insurance enough?
For small works, sometimes. Beyond that, limits or exclusions often appear. We check your contract before work starts.
Is a condition survey useful?
Yes, documenting the condition of neighbouring buildings before the works makes it much easier to deal with any claims.
Aren't the contractors liable?
They are liable for their own faults, but the owner's liability can be engaged independently. The two covers complement each other.
How long does the cover last?
In principle it runs for the duration of the works. The precise conditions depend on the contract.
Related services
Useful resources
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.