Non Negligent Insurance for Construction Tenders
Independent advice on non negligent insurance for large scale construction projects, protecting against third party property damage where fault cannot be proven.
Contact UsNon Negligent Insurance
Non negligent insurance provides protection against damage to third party property arising from construction works where no fault or negligence can be established. Commonly required on complex developments carried out in close proximity to existing buildings, this cover gives developers, funders and adjoining owners confidence that unforeseen damage will be addressed without the need for lengthy disputes over liability.
When is Non Negligent Insurance Required?
Non negligent insurance is often required where construction works present a higher risk to neighbouring structures, particularly on urban or constrained sites. It is commonly specified within building contracts, including JCT forms, where clause 6.5.1 sets out the obligation to maintain cover for non negligent damage.
The policy may also be requested by funders, freeholders or adjoining owners as a condition of consent to works. It is frequently used on basement excavations, refurbishments, conversions and developments involving structural alterations near existing buildings.
Key Benefits of Non Negligent Insurance
Provide certainty where liability for damage is unclear
Allow damage to be addressed quickly without establishing fault
Reduce delays, disputes, and the risk of costly legal action
Reassure developers and funders that third party property risks are managed
Support project continuity by preventing disruption from unresolved claims
Why Comparison Matters for Non Negligent Insurance
Two non negligent insurance policies can look similar on paper but respond very differently in practice. Differences in exclusions, notification requirements and damage definitions can have a material impact on claims outcomes.
LBB’s comparative review reduces the risk of disputes, rejected claims and project delays by ensuring cover is placed with insurers experienced in complex and high risk developments.
How LBB Compares Non Negligent Insurance
Non negligent insurance is not an off the shelf product, with significant variation in wording, limits, exclusions, and insurer appetite
Poorly structured policies can leave critical gaps in cover when damage occurs
Compare non negligent insurance across specialist insurers, not just on premium
Review scope of cover, limits of indemnity, exclusions, and policy triggers in detail
Ensure alignment with JCT 6.5.1 contractual requirements
Focus on suitability and risk exposure rather than price led comparison
Structure cover to reflect the nature of the works and proximity of neighbouring properties
Meet the expectations of funders, solicitors, and adjoining owners
Secure policies that perform under scrutiny and respond when it matters
Get non negligent insurance advice from an experienced, trusted team.
Speak to LBB About Non Negligent Insurance
Manage risk on developments involving neighbouring properties and sensitive sites
Ensure the right level of protection is in place for each project
Work with advisers who understand developer, funder, and professional team requirements
