Our Premier Plus policy is our most comprehensive policy. It provides “All Risks” cover for physical loss or damage to the existing structures and contract works for 3 – 36 months.

This policy is most suitable for complete new build projects or larger more complex renovation projects including commercial developments, basement extensions, and major demolition. The policy can be held in joint names if required under the contract conditions.

As with all of our policies, it includes £2,000,000 Public Liability cover as standard.

It provides all the benefits of our Premier policy as well as cover for the following:

• Accidental Damage
• Subsidence

Below is a summary of the perils covered under the Standard policy in terms of the building (including the existing structure and contract works). We have also detailed those perils excluded under the policy for your information. For full details of the cover provided including Conditions, Warranties, and Exclusions please refer to the Premier Plus Policy Wording.

Covered

Fire, Lightning, Explosion, Earthquake, Aircraft, Storm, Flood, Escape of Water, Impact, Malicious Intent, Riot and Civil Commotion, Theft and Attempted Theft, Accidental Damage, Subsidence.

Not covered

This policy offers ‘All Risks’ cover meaning that all insurance perils are covered unless specifically excluded.

Optional extras

Contents, Own Construction Machinery, Portable Hand & Power Tools, Hired in plant, Caravans Site/Huts, Non-Negligent/ JCT Liability, Advanced Loss of rent/Loss of Interest, Terrorism.