83Insurance cover

### 83 Insurance cover > > (1)  An owner of relevant premises must ensure that he or she obtains insurance as required under [subsection (2)](#GS83@Gs2@EN) in respect of the protection work before performing protection work, or allowing protection work to be performed, in respect of the relevant premises. > > > > Penalty:  In the case of – > > > > > > (a) a natural person, a fine not exceeding 100 penalty units; or > > > > > > > (b) a body corporate, a fine not exceeding 500 penalty units. > > > (2)  Insurance obtained in respect of protection work – > > > > > > (a) must be for an amount that is not less than the amount agreed by the owner of the relevant premises and the adjoining owners; and > > > > > > > (b) must cover damage by the proposed protection work to adjoining premises; and > > > > > > > (c) must cover any liability likely to be incurred, in respect of the protection work, to the adjoining owner and members of the public; and > > > > > > > (d) must not expire until at least 12 months after the completion of the protection work. > > > (3)  For the purposes of [subsection (2)(a)](#GS83@Gs2@Hpa@EN) , an adjoining owner is taken to agree to an amount of insurance if – > > > > > > (a) the owner of the relevant premises notifies the adjoining owner in writing of the amount of insurance proposed to be obtained in respect of the protection work; and > > > > > > > (b) the adjoining owner fails to respond to the owner of the relevant premises, in respect of the written notification referred to in [paragraph (a)](#GS83@Gs3@Hpa@EN) , within the prescribed period. > > > (4)  An owner of relevant premises is to provide each adjoining owner with a copy of the insurance policy with each adjoining owner.