Physical damage: Helps protect you against physical loss or damage to the works, materials, plant, caravans, tools and equipment used throughout the project. A fire loss, accidental damage, weather-related loss, theft, and vandalism all fall into this area of site insurance coverage.

Liability: By covering your incurred liability in the event you inadvertently damage someone else’s property or cause injury to another person during the course of the build. The effects of damaging a neighbouring property are easily understood, but you may not realise that you have responsibility for Health & Safety on the site and an injured worker could sue you following an accident, however minor.  This is why it is essential to cover your liability.