Business insurance for Builders & Building Contractors

For builders and building contractors, insurance is an essential part of running a business. Whether you’re working full time, you’re self-employed or you run a large company, chances are you’ll have several projects on the go, and you can’t be everywhere at once. Having a comprehensive business insurance package, with tailored builders liability and contractors professional indemnity covers, means you’re protected, whether it’s against disagreements about your work, accidents on site or broken equipment.

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Why insurance for builders and building contractors matters

As a builder you’re well aware of the dangers involved with your line of work. It’s a physical job, which means there’s always a risk of accident or injury – to you, your employees, your clients and members of the public. There’s also the chance a customer could be dissatisfied with your work or that something might happen to your equipment. A good business insurance package will equip you to deal with these liability risks, so when the unexpected happens, you can carry on with minimal disruption.

Why builders need business insurance

Accidents onsite

The building site is a dangerous place, even when all the proper health and safety procedures are followed. From faulty electrics to scaffolding issues, if someone gets hurt it can have disastrous consequences as they could bring a liability claim against you. If this happens, public liability insurance for builders will cover the legal and compensation costs of defending or settling the claim.

Unhappy clients

A client might claim they’re dissatisfied with your work or advice after a breakdown in communication, or a project could overrun leading to your customer losing money. Either way, a negligence claim could be brought against your contruction business. Having a tailored builders' professional indemnity policy in place will mean you’re able to deal with it, without dipping into your own pocket.

Technical problems

Expensive equipment is a part of everyday life for builders – insurance is there to make sure that if the tools you need are broken or stolen, you can carry on quickly with minimal disruption, protecting your income and the project too. Insuring the tools of your trade means you can keep to those deadlines and keep the customer happy while we sort out replacements or repairs for you.

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If you’re not sure what you need, tell us a little more about your building business. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for the building industry

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These are just some of the types of business insurance for builders and contractors that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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