Builders Liability

Some of our Insurance providers

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 for you.

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 online.

    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 place.
  • 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 cover?
    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 you.
    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 job.

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 year.

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 Debit.

Policy documents emailed to you: So you can access them day or night.

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 for:

Public Liability
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 business activities.

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.

Optional features

Employers Liability
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 drills)
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 malicious damage.

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 business:

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 cover
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

Policy restrictions
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 restricted.

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.

 Builders liability insurance