Builders Insurance

The building trade carries some of the highest day-to-day risks across all industries. From structural damage and workplace accidents to tool theft and liability claims, builders need protection that’s as robust as the work they do.

Our tailored builders insurance policies provide comprehensive protection for construction professionals, whether you’re a self-employed builder, subcontractor, or run a multi-employee firm. We help protect your people, property, equipment, and reputation, so you can build with confidence.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Builders Insurance?

Specialists in contractor and construction insurance
Access to 20+ leading UK insurers
Flexible cover tailored to sole traders and growing firms
Transparent, jargon-free help
Quick, competitive quotes from a panel of top insurers
Dedicated UK-based claims support
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What Is Builders Insurance?

Builders insurance is a specialist form of contractor business insurance designed to protect building professionals against common construction-related risks. It provides essential cover such as public liability, employers’ liability, tools insurance, and contract works cover, all in one flexible policy.

We provide builders insurance for:

  • Sole traders and self-employed builders
  • General building contractors
  • Property renovation companies
  • New build and home extension specialists
  • Bricklayers, groundworkers, and structural workers
Why Is Builders Insurance Important?

Construction environments are high-risk. A misstep on scaffolding, an injured client on-site, or stolen tools can all lead to serious disruption and legal exposure. Without adequate cover, you’re left personally liable for damage, claims, or delays.

Builder liability insurance provides peace of mind and financial security against:

  • Injury to the public or your workforce
  • Damage to a customer’s property
  • Theft of tools or site equipment
  • Project delays caused by material damage
  • Accidents involving subcontractors or temporary staff

Many clients and main contractors will require proof of builders insurance before allowing site access or issuing contracts.

How Much Does Builders Insurance Cost?

Premiums vary based on:

  • Business size and turnover
  • Number of employees or subcontractors
  • Trade specialism and risk level (e.g. structural work vs internal refits)
  • Value of tools and plant equipment
  • Project locations and working height or heat
  • Cover levels and optional extras selected

We provide competitive quotes from leading UK insurers to suit your business and budget.

 

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What Does Builders Insurance Cover?

Our builder-specific policies include a range of critical protections as standard, with optional add-ons to suit your working conditions:

1. Public Liability Insurance

Covers injury or damage caused to third parties by your work. If a member of the public trips over materials or you accidentally damage property, this cover protects against costly legal claims.

2. Employers’ Liability Insurance

Usually legally required if you employ staff. Covers injury or illness claims from full-time employees, labourers, apprentices, or subcontractors under your control.

3. Tools and Equipment Cover

Protects your essential tools, hand tools, power tools, and machinery, against theft, loss, or accidental damage, whether stored in vans, on-site, or in lockups.

4. Contract Works Insurance

Covers building work in progress, including labour and materials, against fire, flood, vandalism, or weather damage before the project is completed.

5. Plant and Machinery Insurance

Optional cover for owned or hired-in plant such as diggers, dumpers, and mixers. Includes cover on-site, in transit, or stored at your yard.

6. Personal Accident Insurance

Provides a financial safety net if you or a key worker are unable to work due to accidental injury.

7. Legal Expenses Cover

Helps cover the cost of contract disputes, employment tribunals, or HMRC investigations that could disrupt your business.

FAQs

If you employ staff, Employers’ Liability Insurance is often legally required. While Public Liability Insurance isn’t mandatory, it’s essential for most building work. Clients and contractors often require proof before allowing site access.

Yes, tool and equipment insurance can be included in your builder’s policy. It protects both hand tools and power tools, whether stored on-site, in your van, or in a lock-up.

JCT 6.5.1 provides protection against non-negligent damage to third-party property caused by your building activities (e.g. subsidence to a neighbouring property).

Yes. We can include subcontractors under your policy if you are responsible for their health and safety.

Builders Insurance is a type of Contractors Insurance designed for professionals in the construction trade. It’s more specific to site work, tools, and structural damage. Contractors Insurance may also apply to other fields like electrical or HVAC work.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Insurance tips, legal updates, and safety advice for builders – from public liability to tool cover and more.