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      Coverage is typically during construction period only. Who buys builder's risk insurance? It is usually bought by the owner of the building but the general contractor constructing the building may buy it if it is required as a condition of the contract. Alternatives If the project involves renovations or additions to an existing building, the owner's existing property insurance may cover the work under construction, obviating the need for Natural hair hot oil treatment builder's risk insurance. Both are technically unlawful, as not having insurable interest, and so were unenforceable in law. Failure to produce an insurance certificate is an offense. Insurance is more expensive in Northern Ireland than in other parts of the UK. Motorists in the UK are required to display a Vehicle excise duty disc in their car when it is kept or driven on public roads