Non Negligence Insurance
Essential Non Negligence Insurance Cover to Fulfil Contract Requirements
Your client may be asked to arrange Non Negligence Insurance or JCT (Joint Contracts Tribunal) Clause 21.2.1 (or equivalent) Insurance for new builds, extensions, loft conversions, refurbishments etc.
What Is Non Negligence Insurance?
The policy protects an employer against expenses, liability, loss, claim or proceedings which he may sustain by reason of injury or damage to any property caused by subsidence, heave, collapse, vibration, removal or weakening of support or lowering of ground water arising out of the carrying out of building works undertaken on his behalf.
A prudent employer will ensure that all contractors and/or professionals (e.g. architects, consulting engineers, etc) engaged on his behalf in a building project hold Public Liability (PL) Insurance to cover the risk of a claim being made against him for injury to a third party or damage to their property arising from the negligence of the contractor and/or professionals during the course of the build.
More Information Regarding Non Negligence Insurance
In the absence of negligence being proven, a Public Liability policy will not respond to any such claim and as a result the employer could be left to face a substantial monetary claim against him without the protection of an insurance policy. Non Negligence / JCT 21.2.1 Insurance is available to ensure that an employer is not left exposed in this way.
JCT Clause 21.2.1 contract terms may require the contractor to effect and maintain a joint names JCT 21.2.1 Insurance policy. The contractor will be responsible for arranging the JCT Insurance policy, paying the premium and complying with the policy conditions. However, the cover provided by the JCT 21.2.1 Insurance policy is solely for the benefit of the employer.
Non Negligence / JCT 21.2.1 Insurance is a very specialist area of insurance but we have access to all major Insurers underwriting this type of cover. We always strive to find the right insurance solution for our clients, at the most competitive premium.