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FINANCE & INSURANCE


Site insurance is designed to help protect you


free of hazards and consider what is going on above and below to ensure workers are not at risk from works going on elsewhere in the building. This is a common cause of serious accidents causing injury. Organising the works methodically and understanding who is at risk and when is crucial in managing your exposure to risk. Accidental damage to a third party or their property can occur at any time and can range from a relatively minor incident to something far more serious. A single brick falling from a scaffold could easily cause several hundred pounds worth of damage to a car below – but imagine the consequences of a failed scaffold board and an entire stack of bricks falling on a worker below. In addition to a likely investigation by the Health and Safety Executive (HSE) and the prospect of a prosecution to defend,


the self-builder will invariably be responsible for damages. If the victim of the accident is seriously injured, those damages can run into millions as the self-builder will be expected to pay for the injured party’s care costs for the rest of their lives. It’s unlikely that any individual will be able to put that level of contingency


aside, which is why using a good self-build site insurance policy is so important. Site insurance is designed to help protect you against the financial risk that a serious loss can bring and is a proven risk management tool.


Simon Middleton is the founder of the Protek Group


STRUCTURAL WARRANTY SITE INSURANCE SITE SURVEYS


Self-Build Zone provides Site Insurance and liability cover for anyone starting new building works, as well as covering any existing structures on site.


Our Approved Inspectors can facilitate all survey services you may need during the build or for the warranty provision. On completion, Build-Zone can provide you with a 10 Year Structural Warranty.


For more information or to obtain a quotation go online at or Call the Self-Build Zone Team on www.selfbuildzone.com 0345 230 9874 november/december 2017 www.sbhonline.co.uk 17


Self Build Zone


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