FAQ Category: Builders Insurance

Please refer to our policy documents for a full list of exclusions related to our builders insurance policy.

Larger projects may increase the risks and potential liabilities, requiring higher limits of indemnity or additional coverage types (e.g., increased public liability or additional products liability). You should review and possibly adjust your coverage when taking on larger or more complex projects. There is an exclusion within our Contractors All Risks cover that excludes you undertaking contracts which will take longer than two years to complete and/or exceed £2,000,000 in value at inception of the contract.

Our builder’s insurance does not provide a guarantee for the quality of your work. It covers legal liabilities arising from accidents, injuries, or damages caused during your work, but it does not cover poor workmanship or the costs of correcting defective work.

The amount of public liability coverage needed can vary based on the size and nature of your projects. We can offer up to £5m of public liability, although you’ll pay an additional premium for this. As standard, our builder’s liability insurance cover is £1m.

Employers’ liability insurance is typically mandatory if you have employees. If you’re self-employed and do not have employees, or only use bona-fide subcontractors (who provide their own insurance), you are not required to have employers’ liability insurance. However, if you hire ‘labour-only’ subcontractors, they might be considered employees under the law, and you would need employers’ liability insurance for them.

If you select “General Builders” as your trade, cover is included for heat work away from your premises, only when using hot air guns, soldering irons, angle grinders and/or hand held blowtorches, blow lamps, flame guns, hot air guns, electric, gas or other welding equipment, or portable grinding equipment only. You are still required to disclose this to us within your application, where the question requests it.

Please note: This is only when the trade “General Builders” is selected.

Yes, our builders insurance policy for ‘General Builders”, allows you to work up to 10 metres above the surrounding floor or ground level. We are unable to cover you if you work above this height.

Please note: This is only when the trade “General Builders” is selected, each trade has its own height limit.

Our public liability insurance covers bodily injuries to other parties and damages to property you are legally liable to pay for and claimant’s costs, fees and expenses. There are conditions and exclusions relating to this cover and all others selected, you can see the full terms in the policy wording.