When we took out our mortgage, because I am self employed I paid a lump sum with the mortgage to cover in case of accident and not being able to work again ( my job is classed as dangerous,I don't know why,there is only a slight element of risk in it)
The buildings insurance we went elsewhere,the insurance company then sent a copy of our insurance certificate to the lender,which is one of the provisios from our lender.
No doubt this applies across the board