Construction near existing buildings can cause cracking, settlement or other damage to neighbours’ property. In Ireland and the UK the JCT 6.5.1 clause (often called non‑negligence or party‑wall insurance) covers the employer against claims for third‑party property damage due to construction operations – even when no negligence is proven. Insurers require a risk assessment to understand the potential impact and to set appropriate premiums and mitigation measures.
Independent pre‑construction risk surveys
EML Engineers carry out impartial risk assessments for JCT 6.5.1 / non‑negligence insurance and party‑wall agreements. Our service includes:
- Site and neighbour audit
We walk the site to understand ground conditions, proximity of neighbouring structures, and potential high‑risk activities (excavation, piling, dewatering, crane operations). - Design and method review
We review the proposed design and construction methodology to identify how works might cause movement, vibrations or undermining of adjacent properties. - Monitoring recommendations
Based on the assessment we design monitoring schemes (crack‑gauges, vibration monitors, settlement markers) and advise on mitigation (pre‑condition surveys, reduced vibration piling, sequencing). - Report for insurers and parties
Our report outlines risk level, predicted impacts and mitigation measures – giving insurers confidence to underwrite non‑negligence cover and providing a baseline for party‑wall agreements.
Benefits for clients
A thorough risk survey can:
- Reduce premium and excess
By demonstrating that risks are well understood and monitored, underwriters are more comfortable offering lower premiums and favourable terms. - Minimise disputes
Documenting pre‑existing conditions and implementing monitoring helps distinguish between construction‑related damage and unrelated defects. - Protect relationships
Proactive communication with neighbours and clear risk management reassure all stakeholders and avoid delays due to objections.