Residential Building Works home insurance
The safety of your client, their family, the contractors and the public is paramount. The very nature of certain works exposes everybody to an increased risk of injury.
If using a professional architect or contractor to manage a project the client should ensure that they are adequately qualified and that they have adopted Health and Safety procedures on site.
Whilst certain contract conditions between the client and the contractor may mean that they are responsible for insuring certain aspects of cover in joint names, (meaning that the client or their insurer cannot pursue a negligent contractor causing loss from a contract specified cause), there may be circumstances where the client or their insurer are able to pursue a recovery from a contractor.
Steps that can limit exposure to liability issues should they arise: