If I am building my own house though (and using builders/ sub contractors) I have to have the public liability insurance? what is the difference here.
So why do I not need it if I own the site but a main contractor is building? in this scenario do I not still need the insurance in case anyone breaks in?
so basically we both need public liability but for different reasons?
sorry re the occupiers liability act, I wont be occupying the house until its finished, just own the plot and then the house as being built ?
Yes but the owner of land is responsible for the safety of others, even if those others are trespassers!
Does that help?