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What is Non-Negligence Insurance?

Standard public liability insurance policy will only cover you against damage to third party property which has resulted from negligence. If your works damage a neighbouring property, you could be held liable with inevitable consequences. JCT 21.2.1 insurance (or Non-Negligent Damage Insurance) requires insurance to be arranged in the joint names of the Employer and Contractor and will protect the Employer in respect of their legal liability for damage to adjacent or surrounding property.

Evolution Insurance services have taken many years to assess, evaluate and build up relationships with many UK underwriters in order to ensure the provision of comprehensive, user friendly non-negligent damage insurance policies that offer the correct amount of cover without being financially burdensome.

What Does JCT 21.2.1 Insurance Cover?

JCT 21.2.1 insurance is usually purchased by the Contractor on behalf of the Employer to provide protection against the Employer’s liability for loss, claims or proceedings that arise due to non-negligent damage to property while undertaking a building contract due to:

• Collapse
• Subsidence
• Heave
• Vibration
• Weakening or removal of support
• Lowering of groundwater

Whilst we are able to obtain quotations for JCT 21.2.1 Insurance on either an annual or individual contract basis in isolation we would always recommend that JCT 21.2.1 cover runs alongside the Public Liability Policy, therefore avoiding possible disputes in the event of a loss.

Obtaining a Non-Negligence Insurance Policy Quote

If you require a Non- Negligence Insurance Policy or would like to know more about how such a policy could benefit and protect your development get in touch today. Our team are on hand to offer guidance and advice on a variety of insurance and warranty products including Self Build WarrantyCompleted Housing Warranty and Legal Indemnity Insurance.

Click here to fill out our contact form and we will be in touch shortly thereafter. Alternatively, call us on 01799 512039 to speak to us directly.

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