Construction / owner liability

A construction site exposes you to claims from neighbours, owners, passers-by or third-party firms. Finwise helps cover liability linked to the works and the project owner role.

What is it?

Liability to third parties

It covers bodily injury and property damage caused to third parties in a construction or renovation project.

For whom?

Companies and project owners

Construction firms, tradespeople, developers and owners having works carried out.

Key point

Different from the works themselves

Liability cover protects third-party claims; all-risk site insurance mainly protects damage to works in progress.

Owner’s construction liability diagram

Project owner’s liability toward third parties during the works.

  1. Coordination With site all-risk Who pays which type of damage
  2. Core Third-party damage Bodily and material harm around the site
  3. Base Owner role Party commissioning the works

Neighbours, passers-by, utilities: claims come quickly.

When construction liability is essential

Cracks at a neighbour’s, falling materials, water damage to a third party, accident on a public road: claims can be heavy. Liability adapted to the site and project owner role clarifies who is covered, for which works and up to what limit.

Situation
Main risk
What to check
NeighboursAdjoining building
Cracks, settlement, water ingress or nuisances linked to the works.
Declared activities, exclusions and limit per claim.
Public spaceOpen site
Injuries to passers-by, damage to vehicles or public installations.
Safety measures, signage and subcontracting.
Project ownerClient
Liability linked to project organisation and chosen contractors.
Coordination with contractors’ professional liability and site insurance.

Common pitfalls

Imprecise activityAn overly vague description can cause issues in a claim.
SubcontractorsCheck who must be insured and which certificates to require.
Limit too lowA neighbour claim can exceed minimal cover.
OverlapsProfessional liability, site liability and all-risk cover must be read together.
With Finwise

We clarify roles and responsibilities

We map project owner, general contractor, subcontractors and existing cover to build coherent protection.

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Complete your construction cover

All-risk construction site insurance Building works guarantee Professional liability

Analyse my construction liability See all-risk site insurance

Let’s talk about your needs

Tell us about your situation in a few lines. A Finwise adviser will contact you to clarify your options and compare suitable solutions.