Builders merchants play a vital role in the construction supply chain. They provide timber, bricks, tools, and protective equipment to both trade and public customers. But operating a merchant business...
Builders Merchants Insurance
As a builders merchant, your business is exposed to a wide range of risks every day. From heavy stock and deliveries to customers and staff on-site, accidents and damage can happen at any time. Without the right cover in place, you could face costly claims, stock loss, or business interruption.
Builders merchants insurance is designed to protect your business, employees, stock, and customers, giving you peace of mind that you’re covered if the unexpected happens.
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Builders merchants insurance is designed to protect your business, employees, stock, and customers, giving you peace of mind that you’re covered if the unexpected happens.
OR CALL 0330 054 0545
How It Works
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Call us or complete our online quote form. We’ll collect a few key details about your business.
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We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
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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 Insurance Revolution for Builders Merchants Insurance?
Industry Experience: We understand the everyday risks of running a builders merchants.
Tailored Protection: From stock and premises cover to liability insurance, policies are built around your needs.
Competitive Quotes: Access a wide panel of UK insurers for the best deals.
Fast & Hassle-Free Setup: Cover arranged quickly, often on the same day.
Flexible Payments: Pay annually or spread the cost monthly.
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What Is Builders Merchants Insurance?
Builders merchants insurance is a type of commercial insurance designed to protect businesses supplying building and construction materials. It typically combines essential covers such as public liability insurance for builders merchants, employers’ liability, stock cover, and business interruption, ensuring your business is protected against common risks.
Who needs Builders Merchants Insurance?
This type of policy is suitable for:
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Independent builders merchants
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National and regional chains
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Merchants supplying timber, bricks, aggregates, and general building supplies
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Specialist building material suppliers
Why do Builders Merchants need insurance?
Builders merchants face unique risks such as heavy lifting, large stock volumes, and constant customer footfall. Having the right insurance helps you:
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Meet legal requirements with employers’ liability insurance
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Protect against liability claims if a customer or visitor is injured on-site
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Safeguard stock and materials against fire, theft, flood, or accidental damage
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Cover your premises and equipment from damage or vandalism
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Maintain income with business interruption cover if operations are disrupted
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What Does Builders Merchants Insurance Cover?
A builders merchant business insurance policy may include:
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Public Liability Insurance for Builders Merchants – Protection if customers, visitors, or third parties are injured or their property is damaged.
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Employers’ Liability Insurance – Often legally required if you employ staff, covers workplace injuries and illnesses.
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Stock & Materials Insurance – Protects timber, aggregates, bricks, and other materials stored on-site.
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Buildings & Contents Insurance – Covers your premises, fixtures, and office equipment.
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Business Interruption Insurance – Provides income cover if your business is forced to close temporarily.
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Goods in Transit Insurance – Optional protection for stock being delivered to customers.
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Legal Expenses Insurance – Helps cover the cost of disputes and claims.
FAQs
Employers’ liability insurance is often a legal requirement if you employ staff. While public liability insurance isn’t mandatory, it’s strongly recommended due to the risks of customer injury or property damage.
The cost depends on factors like the size of your business, the value of your stock, and the number of employees. We’ll compare quotes to find the best price for your business.
Yes. Stock insurance can be extended to include goods stored in external yards, provided security measures are in place.
Yes. We can arrange a builders merchant business insurance policy that covers multiple sites in one policy.
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Helpful Articles & Updates
From liability cover to loss of licence, this section provides insurance help and business advice for business owners.
Builders Merchant Risks Explained: Why Public Liability Isn’t Enough
Public liability insurance is often considered the foundation of protection for businesses dealing with the public. For builders merchants it is essential, but relying on it alone leaves serious gaps....
From Timber to Tools: The Essential Covers Every Builders Merchant Needs
Running a builders merchant is a cornerstone role within the UK construction supply chain. Merchants supply everything from timber and steel to power tools and protective equipment, often operating from...