R&V Construction Services Sales Policy / Builder's Liability Insurance - should it be concluded?

Ask him if you are allowed to enter YOUR house and YOUR property at any time during the construction. If not, it is a BT. In general, when doing work yourself, it is certainly not a bad idea to check with the liability insurance to see if everything is covered.

included in the price with us were:

- shell construction insurance (because it’s free anyway)
- builder’s liability insurance

we built with a construction company.

The seller said that all insurances are covered by HIT and we are still the builders. The plot is not purchased at the beginning, but we are only registered.

Sounds strange, google "hidden builder model". The draft contract would be interesting.

Ask him if you are allowed to enter YOUR house and YOUR plot at any time during the construction. If not, it is a developer.

That is of course not the definition of a developer. Access rights can also be included in the developer contract. And also contracts for work contain such clauses (although then invalid).

Shell insurance (because free anyway)

Nothing is free.

Thank you, I will inquire about that and respond here in a few days

We are also building through a developer (end-terrace house with associated plot) and must first arrange construction performance insurance and builder's liability insurance. The fire shell construction insurance is covered by the building insurance.

somehow it doesn't make any sense. why should you take out a builder's liability insurance that covers liability damages on YOUR property when you are not even the property owner? the same applies to the construction all-risk insurance. if you only buy the house with the land upon completion, the risk transfer only takes place with the purchase, right?!