Builder Insurance

Are you looking to ensure you have builder insurance that fully protects your business in the event of an accident or theft on site?

Whatever the size of your business and whether you work in a specialist niche or just general construction, finding the right cover is crucial to the security of your company.

If you are looking for good quality cover, here are three questions you should ask yourself.

1 - Do I really need builder insurance?

Insurance for builders is absolutely essential. Building sites can be very hazardous places with potential dangers lurking around every corner. Even if you adhere to the most stringent health and safety guidelines, accidents can still happen.

If you are an employer, construction insurance ensures that you are protected if any of your staff or members the public are injured in the course of your work.

Good quality builder insurance can also be extended to cover things such as theft of plant, machinery and tools.

2 - What builders liability insurance do I need?

The two main covers to consider are:

  • Employers Liability Insurance - this is compulsory if you have other members of staff and covers you from being sued by one of your employees if they suffer an accident during the course of their duties whether on site or at your premises.
  • Public Liability Insurance - this covers you against any damage or loss incurred by a member of the public (for example, falling debris landing on a person or car).

Builders liability insurance typically also covers the legal expenses you may incur in the event of defending a claim.

3 - What other risks should I consider?

A specialist broker will be able to advise you on which cover is relevant to your particular trade and will have access to numerous other builder insurance related products for you to choose from such as:

  • Cover for your individual contracts
  • Cover for your own plant
  • Cover for hired in plant
  • Employees tools cover
  • Professional Indemnity
  • Office insurance
  • Commercial Vehicle
  • Fleet or mini fleet

For a no obligation review of your builder insurance requirements please contact our specialists by calling 01403 751330 or clicking on the link below.

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Visit our construction insurance page for any further information.