Build Over Agreement Indemnity Insurance

In what circumstances is cover required?

Sewer Indemnity can be taken out where a Property has been erected over a public drain or sewer whether or not there is a formal Build-over Agreement in place.

Product Features:

Risks covered: the cost of reinstating the property in the event access is required to the drain/sewer to carry out repair work and increased costs incurred by the water authority in carrying out repair works to the drain/sewer caused by the location of the property over the sewer and which the authority seeks to recover from the insured.


Information needed:

  • Property address
  • Property value (or developed value in the event that development is to take place)
  • Use of the Property – both current and intended (if a change of use or development is intended)
  • Details of the drain or sewer built over and details of what is built over it
  • Details of the age and condition of the sewer or drain
  • A plan showing the path of the sewer or drain in relation to the building and also showing the proximity of manhole covers.


For further information about sewer indemnity insurance/ buildover agreement insurance or to get a quote, call our team on 0345 557 0845  or 01293 880700 or email us at