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Insure your builders business for liability with zero hassle
Builders insurance is a public liability policy specifically tailored to protect construction businesses from claims made by the public for injuries or property damage caused by the business’s work activities. It provides essential peace of mind for builders and contractors, ensuring they are covered against unexpected incidents.
In partnership with some of the leading UK insurers, we’ll not only get you a better builders insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a builder.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a builders liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is builders insurance?
It covers a range of scenarios where your building business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to builders for several reasons:
- Business reputation: Having builders insurance demonstrates professionalism and responsibility, reassuring clients and the public that you take safety and accountability seriously.
- Financial protection: Construction sites are inherently risky, and accidents can lead to costly claims. Builders insurance safeguards your finances by covering potential claims, preventing a single incident from jeopardizing your business.
- Legal compliance: While public liability insurance is not legally mandatory in the UK, many clients, contractors, or trade organizations may require it as a condition of working with you.
The benefits of a builders insurance policy
From the tools you use to the people working on-site, being a builder comes with risks. Public liability insurance helps protect your business if someone is injured or their property is damaged because of your work.
Public liability cover for builders:
Personal injury claims
Protects against claims if someone is injured on or near your construction site.
Damage to property
Covers costs if your work accidentally damages someone’s property, such as a client’s home or a neighbour’s belongings.
Legal protection
Ensures cover for legal defence costs related to claims.
* Subject to your chosen level of policy cover and the prevailing policy excess.
Power up your insurance with additional cover for builders
- Employers’ liability insurance: Required by law if you have people working for you. Covers claims from employees who suffer illness or injury due to their work.
- Tools insurance: Covers loss, theft, or damage to your tools. Including hand tools, power tools, and specialist equipment.
- Stock insurance: Protects the supplies you keep in stock for building jobs. Covers theft, damage, or loss, on-site, in a vehicle, or at your premises.
- Contract works insurance: Protects building work in progress if damaged by events like fire, flood, or vandalism. Covers the labour, tools, and materials needed.
How much does builders insurance cost?
This depends on the nature and size of your building business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
The cover you choose will impact premiums. Standard cover starts at £1 million, but depending on business needs, you can opt for higher levels, such as £5 million or £10 million.
Nature of business
Builders typically face higher premiums due to the high-risk nature of construction work, which can involve heavy machinery, dangerous materials, and complex sites.
Location
Your business location can impact premiums. Operating in areas with higher crime rates or frequent accidents may result in increased insurance costs.
Business size and turnover
Larger construction businesses with high turnover or extensive projects can require broader cover. Insurers assess the scale of your operations when calculating costs.
Number of employees
Employing a larger workforce means greater potential risks, even for low-risk tasks. More employees can lead to higher insurance costs due to the increased chance of a claim.
Claims history
A history of claims may label your business as higher risk, raising premiums. Maintaining a clean claims history could result in more competitive rates.
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