What Is Non-Negligence Insurance?

Non-negligence insurance, also known as JCT 21.2.1 cover or JCT 6.5.1 cover, is increasingly being requested by councils and party wall surveyors.

This insurance cover protects contractors from any non-negligent damage to surrounding properties. Generally covered is the non-negligent damage caused by the following:

  • Subsidence
  • Vibration
  • Heave
  • Support Weakening
  • Lowering of Groundwater

JCT 21.2.1 insurance will pick up damage that can be shown to be connected to completed construction work, but which cannot be attributed the negligence of the contractor. Negligent damage caused by contractors will need to be covered separately by Public Liability Insurance, whilst miscalculation of figures provided by engineers of architects ought to be covered by Professional Indemnity.

When Do I Need To Take Out Non-Negligent Insurance Cover?

Cover for these types of risks need to be put in place before work commences as certain preliminary investigations, which may include a survey and/or photographic evidence, may need to be recorded.

What Do I Need In Order To Obtain A JCT 21.2.1 Insurance Quote

Information required by underwriters to provide a quote will include:

  1. Description of work involved.
  2. Contract Price
  3. Distance between site address and the nearest surrounding property.
  4. Depth of:
  • Excavation
  • Pilling
  • Under Pining
  • Lowering of ground water