hi, I assume that you are doing a self build. I am in the same position, our first one, and coming up against lots of small problems. we did employ an architect/ designer, but after paying him �1300 and waiting months for something to happen we have got shot of him and will be taking him to the small claims court to try to get our money back. we have re-drawn the plans ourself and re-submitted them.anyway, we have made inroads into pricing and suppliers of block and beam floors, the water, sewerage, bricks, the rules and regs on vehicle turning and parking etc but we still need more info on certain things, such as the site insurance that you are asking about and the certificate of quality of build etc. it may be helpful if we can share our information and possibly help with each others building problems by e-mail. if you think this a good idea, post another message and I will give you my e-mail address.
regards, alf.