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Yep. As I said, for most blocks in most circumstances the risk is low, it's just the case that it is not non-existent. If I held a vacant block in a subdivision with lots of complete homes, kids looking for a fun place to play and it was going to be an extended period before contstruction...

The builders PL cover is covering the builder for their legal liability, not the property owners. The builder has a duty of care for their activities on the site, but that does not mean that there are no circumstances whereby the property owner is at risk. As an example, the land owner fails...