Builders Liability Insurance
We make buying builders insurance easy. We are an
established broker, specialising in
liability policies for builders
and other trades, so you can trust us to source the right policy
We have a price comparison solution so you get
a range of builders liability policies from major
insurance providers to choose from.
Buying Builders Insurance from YOUR Insurance
- Online: Click on the “compare
quotes” button and complete the questions about you and your
business. Tailor your own builders’ insurance
policy here by adding the value of your tools or how many
people work for you. You will be presented with a range of quotes
from different insurers and the option to read more, or buy
Make sure you take the time to review the policy features,
limitations and exclusions included in your quote. We have worked
to make the process quick and simple but it’s worth you taking a
few extra minutes to make sure you have the right cover in
- Over the phone: Call us on
0800 107 8949 and we will do our best to get you
the cheapest deal from our panel of insurers.
- Struggling to find the right
You may have had trouble getting an online quote, especially if you
are looking for something in a builders policy which is a little
unusual. As a specialist broker we are used
to sourcing policies for our clients. Just
tell us your requirements and we will do the hard work for
Call us today 0800 107 4885
Builders Liability Insurance - why do builders need it?
You work hard to build your business and it's reputation.
Without Builders Insurance, if a claim was made you would be
personally liable to settle any payout. How would that cost impact
on you, your family and your livelihood?
Builders Insurance is designed to protect you in the event of
injury to your customer, a member of the public or damage to their
property caused by your business. From knocking down walls,
extending properties, converting lofts to building houses the
construction trade is surrounded by potential risk. There is a
reason why construction sites are 'hard hat' areas!
Public Liability Insurance for Builders will protect your
business and livelihood from potential claims that could be made
against you but could also help you to secure work in the first
place. Whether you are a sole trader, or a building contractor with
employees, prove your professionalism by presenting a copy of your
Public Liability Insurance certificate when tendering for a
Why choose YOUR Insurance for your Builders Insurance?
You could save money with exclusive deals: At YOUR Insurance we
offer prices and schemes from leading UK insurers that you can't
buy direct from the insurer.
Instant quotes: Quote, compare and buy online 24/7 365 days a
In-house Underwriters: On hand to help get you covered.
Spread your payments: To help manage your business cash flow you
can choose to pay your insurance premium by monthly Direct
Policy documents emailed to you: So you can access them day or
Call us for free! Need help? we are available to help you Monday
- Friday 9am - 9pm and Saturday 9am - 5pm 0800 107 8949
What you see is what you pay: We don’t start adding to the price
after you’ve said go ahead, so you will never pay more than the
price you see.
Know that you have financial security: By taking out one of our
Builders liability insurance policy you’ll know you have the
support of Europe's largest independent insurance intermediary,
Towergate Underwriting Group Ltd.
Key features of our policies
All of our Builders Insurance policies provide cover
This forms the core of all of our Builders Public Liability
Insurance packages. It can protect you against the potential costs
associated when dealing with an injury claim by a member of
the public and against property damage claims as a result of your
Public Liability Insurance for Builders can cover the legal
defence costs for alleged negligence and pay compensation
where your business is found to be at fault
Policy limits of £1 million, £2 million & £5 million,
with £10 million available for certain trades.
You are required by law to have Employers’ Liability Insurance
for people you have under a contract of service
with you; either as manual labour, clerical work or otherwise.
Limited companies also require Employers Liability Insurance under
this law. You could face fines of up to £2500 per day if you
do not have an Employers Liability Certificate.
Tools - (Handheld e.g. power
Most people know tradesmen who have had their
tools stolen. Our policies can cover you against theft or damage to
your portable handheld tools and their accessories.
Plant - (Larger machinery, e.g. forklift
truck, cement mixer)
Your own plant, or plant which you
have hired for work on a contract, can be insured against theft or
Contract works - (The actual work being
carried out and related materials)
This covers the
contracts you are working on including materials eg. If you are
half way through building an extension on a property and an insured
peril occurs, such as a fire, flood or malicious damage and this
destroys some or all of the extension, then Contract Works Cover
will pay to put you back in the position you were in before the
peril occurred. As with all insurance policies, limits and
level of cover will depend upon the package you choose.
Things to look out for - Exclusions and tips
To make sure that you get the most from your Public Liability
Insurance for Builders, you need to make sure that you bear these
things in mind when choosing your policy and running your
Public Liability excesses
Given that the work covered by a Builders Public
Liability Insurance may differ, policy excesses will vary
according to your activities.
Statutory exemption from Employers Liability
If you run a family business in which your employees are closely
related to you, you would usually be exempt from Employers
Liability unless your business is run as a Limited company
Some insurers will restrict cover by applying height or depth
limits, or by restricting the use of heat equipment. You may also
find with certain Builders Public Liability Insurance Policies
that the types of premises you are insured to work upon are
Theft of tools
You will know that tool theft is an occupational hazard for the
building trade. Because of this, most insurers have conditions
which specify minimum security requirements to reduce the risk. For
example, your policy is likely to require that you store your tools
out of sight and inside a locked van or building overnight.