A passerby falls on your construction site. You are liable
Fully protected as a building owner
Typical Construction Site Risks
Pedestrian Accidents
A pedestrian trips over unsecured building materials on the sidewalk.
Neighboring Property Damage
Construction work causes cracks or vibration damage to adjacent buildings.
Groundwater Damage
Civil engineering work affects the groundwater level in the surrounding area.
Environmental Damage
Building materials or fuel seep into the ground.
Benefits
Personal Injury
Medical costs and compensation for pain and suffering resulting from injuries on the construction site.
Property Damage
Damage to neighboring buildings, utility lines, or roads.
Financial Loss
Loss of rental income for neighbors or business interruption caused by construction work.
Passive Legal Protection
Defense against unjustified claims for damages.
Environmental Damage
Coverage against soil contamination and water pollution during the construction phase.
Extended Liability
Insurance coverage for damages that are only discovered after construction has been completed.
Who is it for?
Private Builders
New construction of a single-family home or condominium.
Commercial Builders
Construction of commercial properties, warehouses, and office buildings.
Renovators
Extensive renovation and refurbishment projects.
Property Developers
Professional property developers with multiple projects.
What is covered?
Versichert
- Personal injury and property damage on the construction site
- Damage to neighboring buildings caused by construction work
- Damage caused by falling structural components
- Accidents on the construction site premises
- Damage caused by groundwater lowering
- Liability as a property owner toward pedestrians
- Legal defense costs
- Coverage for renovation, extension, and new construction
Nicht versichert
- Damage to your own structure
- Defect removal and remediation
- Damage caused by subcontractors (own liability insurance required)
- Intentionally caused damage
- Damage caused by blasting work (without additional add-on)
- Damage resulting from planning errors (→ Architect's Liability Insurance)
How We Protect Your Construction Project
Describe the Construction Project
Type of construction project, construction sum, construction period, and owner-performed work.
Identify Risks
Neighboring buildings, groundwater, public pathways.
Take Out Insurance
Take out builder's liability insurance BEFORE construction begins.
Protection During the Construction Phase
Insurance coverage for the entire construction period plus extended coverage.
Frequently Asked Questions
Request Consultation
Free and non-binding — we will get back to you within 24 hours.
Secure Your Construction Project
Protect yourself as a building owner against liability risks on the construction site.