Choose the Technical Construction Insurance that best suits your company

At PBF we will advise you on the insurance you need to carry out the construction of a building or single-family home.

Mandatory insurance for the construction of a building or single-family homes:

Defect Constuction Insurance

The ten-year insurance is an obligatory insurance for new buildings that are going to be used mainly for housing purposed. It consists of a guarantee against material damage affecting the structural elements for 10 years from the completion of the work.

The Building Standards Law regulates the construction processes, with the rights and obligations of developers, builders and home buyers. The defect insurance is included in the law as a mandatory contract for homes to be marketed, with the aim of protecting the final consumer. The promoter or builder is obliged to take out the defect insurance to protect the person buying the home. Thus, the insured will be the owner of that housing.

The main guarantee of the defect Insurance covers material damage caused by faults or defects affecting the foundation, support, beams, floors, load-bearing walls or other structural elements that affect the mechanical resistance and stability of the building.

Some additional guarantees that can be contracted:

Waterproofing of roofs and facades
Basement waterproofing
Stability of non-bearing facades
Pre-existing assets

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All-Risk Construction Insurance

The construction all-risks insurance covers all the damages that occur accidentally or unpredictably during the building process, including those caused by natural phenomena if they are not expressly excluded.

THE MAIN COVERAGES:

Conventional risks: Fire, explosion, lightning strike, theft, crashes, impacts, etc.
Civil Liability: Claims by third parties for damages caused as a result of construction.
Natural hazards: Wind, hail, rain, snow, frost, storm, hurricane, cyclone, flooding, overflows, sea surges, subsidence, landslides, rock falls, earthquakes, volcanic eruptions, etc.
Risks inherent in the execution: human failure, material defects, defective execution, consequences of design errors, etc.
Theft
Vandalism

SOME OF THE OPTIONAL COVERAGES:

Demolition and/or debris removal costs
Strike, riot, civil commotion, sabotage and terrorism
Construction machinery: The coverage covers damage of external origin to the machine, excluding those of internal origin, which may be covered by another specific policy called machinery breakdown.
Construction equipment: The coverage covers the elements that, without being part of the work, are necessary to execute it, such as: scaffolding, shoring, formwork, tools, huts, etc.
Pre-existing assets: This means that other constructions already carried out in the area of the work are under the control, custody and/or surveillance of the Insured and do not form part of the work to be built.
Consequential loss: Economic losses arising from a delay of the building finish process due to one or more incidents covered by the policy.

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Willis Towers Watson Networks is the association between Willis Towers Watson and independent insurance brokers, in order to create a national alliance of high professional level.