Insurance for builders
From renovations to larger building projects, no two jobs are quite the same. Whether you’re a self-employed builder or run a building business, get insurance that suits the work you do. Start a quote online or explore your options.
What is builders’ insurance?
Builders' insurance is designed for people working in the building trade. It can help protect against certain risks that come with building work, from accidents on site to unexpected damage.
Whether you're working on smaller renovations or managing a bigger project, builders' insurance can help you deal with the financial impact of certain things going wrong.
What can builders’ insurance cover?
Building work comes with risks, even when you've planned everything down to the last detail.
Depending on your policy, builders' insurance can help with the costs of certain accidents, injuries or damage to other people's property. It may also offer protection for things like your tools, equipment, materials and work in progress.
Not every insurer offers the same cover. Some types of cover may be optional, and policies can have different limits and exclusions.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Who is builders’ insurance for?
Builders' insurance is designed for people and businesses working in the building trade, including self-employed builders, sole traders and building companies.
Whether you work alone, employ a team or take on different types of building projects, the insurance available to you will depend on your business, the work you carry out and where you work.
Why consider builders’ insurance?
Even the most experienced builders can't prevent every accident. And when something goes wrong on a job, the costs could quickly add up.
Builders' insurance can help protect your business from certain unexpected costs and claims, giving you one less thing to worry about while you're getting on with the job.
Some clients, contractors and trade bodies may also ask you to have insurance in place before work begins. So having cover could help you attract and keep customers.
Insurance for larger building firms
As your building business grows, so can the risks you face. Bigger projects, more employees and multiple contracts can mean more complex insurance requirements.
For established building firms with more specialist requirements, our Cover Plus broking service offers a more personal approach. Our team can help you explore insurance options based on your business, the projects you take on and the risks involved.
Fast, effective and personal service for businesses with specific needs.
Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.
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