Cover for works in progress, site risks and completed units, built for new builds, conversions and renovation projects.
Cover for works in progress, site risks and completed units, built for new builds, conversions and renovation projects.
Contract worksSite & passers-byUnoccupied once built
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Property developer insurance covers a building project from site acquisition through to sale or letting. It combines contract works cover for the build itself, public liability, employers’ liability, and cover for the property once complete.
Development is a different risk to owning finished property, an incomplete building is more exposed to fire, theft and weather, and standard property policies won’t respond.
The right developer cover depends on:
New build, conversion or renovationContract value and build periodWhether the property is occupiedPlant and materials on siteWhether you sell or retain unitsNumber of concurrent projects
Is property developer insurance right for your project?
Is property developer insurance right for your project?
If you’re building, converting or renovating rather than simply owning finished property, this is the cover built for you, at any project scale.
If you’re building, converting or renovating rather than simply owning finished property, this is the cover built for you, at any project scale.
New Builds
Ground-up construction of houses, flats or commercial units.
Conversions
Changing a building’s use, such as offices or barns into residential.
Renovations
Major refurbishment of an existing structure, often while it stands empty.
Extensions
Adding to a property, where the existing structure also needs insuring.
Build-to-Rent
Developments you intend to retain and let once complete.
Multiple Sites
Developers running several projects at different stages at once.
What could put your development at risk?
What could put your development at risk?
Theft of materials and fire on part-built structures cause most development claims, with weather damage close behind on buildings not yet watertight.
Theft of materials and fire on part-built structures cause most development claims, with weather damage close behind on buildings not yet watertight.
How could a claim affect your project?
How could a claim affect your project?
A single incident can destroy work you’ve already paid for and push back completion. Here are four common scenarios and the cover that responds.
A single incident can destroy work you’ve already paid for and push back completion. Here are four common scenarios and the cover that responds.
Fire
A fire destroys weeks of completed work before handover.
What cover may respond?
Contract Works
Escape of Water
Materials are stolen from site overnight before installation.
What cover may respond?
Contract Works + Plant
Storm Damage
Storm damage sets the programme back and delays completion.
What cover may respond?
Contract Works + Delay in Start-Up
Visitor Injury
A worker or visitor is injured on site.
What cover may respond?
Employers’ & Public Liability
If you’re building, converting or renovating, standard property insurance won’t respond, and if you engage anyone on site, employers’ liability becomes a legal requirement.
This cover may be suitable for:
New build developersConversion specialistsRenovation and refurbishment developersBuild-to-rent developersDevelopers running multiple sitesSelf-builders and small developersCover built around your development
Cover built around your development
Most developers combine contract works cover for the build with public and employers’ liability, then add plant cover and unoccupied cover once units complete.
Most developers combine contract works cover for the build with public and employers’ liability, then add plant cover and unoccupied cover once units complete.
Contract Works
Covers the building work itself while in progress, including site materials and temporary structures.
Public Liability
Protection if a member of the public or a site visitor is injured, or their property is damaged.
Employers’ Liability
A legal requirement once you engage anyone on site, including labour-only subcontractors.
Plant & Equipment
Covers owned and hired-in plant, which you’re usually liable for under the hire agreement.
Unoccupied Cover
Protection for a completed but unsold or unlet unit, when standard cover restricts.
Legal Expenses
Legal protection for contract disputes with clients, contractors and suppliers.
How the quote process works
How the quote process works
Simple steps. Expert advice on the cover your project actually needs.
Simple steps. Expert advice on the cover your project actually needs.
Tell us about the project
What you’re building, the contract value and the timescale.
Set your sum insured
Cover should reflect the full reinstatement value of the works.
We compare specialist insurers
We search insurers who underwrite development risk.
Get covered before work starts
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Property developer insurance guides
Property developer insurance guides
Practical advice on contract works, site risks and completed units.
Practical advice on contract works, site risks and completed units.
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Property developer insurance FAQs
Property developer insurance FAQs
Straight answers on contract works, site risks and completed units.
Straight answers on contract works, site risks and completed units.
It covers a building project from site through to sale or letting, combining contract works cover for the build itself, public and employers’ liability, and cover for the property once complete.
Still have questions?
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