Why do builders need Insurance?
If a claim is made against you or your business due to negligence, an accident or other incident beyond your control, having specific Builders Insurance can protect you against financial losses. Builders Public Liability insurance will protect you should you be sued by a third party; this could be for injury to a client or member of the public or damage to their property, up to the limit of cover you have selected.
Employers’ Liability will protect you and your business against claims, coming from employees and labour only subcontractors, whom you have contracted to aid your business. Claims may include individuals becoming injured or falling ill due to your employment.
Staying on top of the latest Health and Safety regulations is part of your responsibility as a small business. Exclusive to our Insurance for builders, you can take advantage of access to a free Video SafeCheck appointment. Upon request a SafeCheck Consultant can provide you with a comprehensive review of your business’s Health and Safety processes. Provided by the Peninsula Group.
In case you need access to professional legal advice and representation you may want to add Commercial Legal Protection. This relates to contract disputes, legal defence and recovery of undisputed debts, to name a few. Find out more from our Sales team who are available Mon-Fri, 9am-5:30pm, on 01494 887909.
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Why choose us for your Builders Insurance?
Fast & Simple Process
Our aim is to make buying insurance online easy, that’s why you can get a quote for your Builders Insurance policy and buy your cover in just a few minutes.
Trusted by Thousands
We have been providing insurance to UK customers for over 25 years. Today we protect over 60,000 customers each year, and uphold an excellent customer service score based on over 3,000 customer reviews.
Monthly Payment Options
We are one of the only online Builders Insurance providers to offer monthly payment plans with 0% APR. This means you can spread the cost of your cover across 10 months.
Excellent Claims Handling
Our specialist UK based claims handlers aim to deal with any claim you have, minor or serious, quickly, without causing disruption to your business.
What’s included in our Builders Insurance policy?
Our Builders Insurance covers most common trades related to building work. Depending on the level of cover you need, make sure you have all the relevant cover necessary for you or your business, detailed below.
You can choose up to £5 million worth of Public Liability to cover you against claims arising from accidental injury to a client or damage to their belongings. This could be a client tripping over your equipment, or it could be damage to a household item, such as a piece of furniture. Either way, in the event of an accident like this, you are vulnerable to a substantial compensation claim, as well as other associated costs.
If you employ members of staff (even just one) then it is a legal requirement to have employers’ liability insurance in place. This means that if one of your employees is injured while working, and suffers financial loss as a result, your insurer will cover you (up to £10m) for compensation.
This insurance extension is provided with the Public Liability cover and is designed to protect you should you receive any claims arising from any products and goods supplied by you to other parties, who may then sustain an injury or damage to their own property.
This optional benefit provides you access to a Legal Helpline and provides cover for costs and expenses, should you have any business issues relating to breaches of restrictive covenants, defence of legal rights, protecting your property, personal injury, jury service and witness expenses, statutory licence appeal, contract disputes and recovery of undisputed debts.
I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.
Fantastic claims handling
Whilst the risk is low, there is always a chance of an unexpected incident, you might have to deal with. That’s why we’re committed to making our claims process as smooth and efficient as possible.
If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.
How much does Builders Insurance cost?
The cost of builders insurance can vary depending on several factors. For example, if you employ staff then your policy will need additional cover in Employers’ Liability, at a higher cost.
You should expect to pay somewhere in the region of £60 to £120 a year for your policy or £5 to £9 a month. Comprehensive liability cover for your business, at a small price, given how expensive a compensation claim could be.
Frequently Asked Questions
Q. Can I include liability cover for subcontractors, who I use to aid my business?
A. This depends on your agreement with your subcontractors. Bona-fide subcontractors will have to have their own insurance cover and cannot be included on your insurance policy and in the numbers requested herein, you will be obligated to retain proof of their insurance. Labour-only subcontractors can be included on your policy of insurance, for work they provide under contract with yourself and your business only and should be included in the total numbers you provide in this application of insurance.
Q. Does your policy allow me and my staff to provide work using Heat away from our Premises?
A. No, not for the majority of trades available to be selected herein, with the exception of Domestic Appliance Repairer, Painters & Decorators, Conservatory & Porch Erectors, Fencing Contractor, Roller Shutter/Door Installation, Electricians and General Builders, where there will be an endorsement added to your policy, allowing you to undertake work away from your premises, subject to you complying with a set of conditions outlined in the added endorsement titled ‘Hot Working and Use of Heat Equipment away from your Premises Condition Precedent’.
Q. Do I need builders insurance if I work from home?
A. Yes, you need public liability insurance to protect you against claims arising from accidental injury to a client or damage to their belongings.
Q. Are my tools and equipment covered?
A. No, there is no cover for your tools and equipment on this product. This is cover for liability insurance only, with optional commercial legal protection.
Q. Does your insurance cover me for working overseas?
A. This cover is meant for work in the United Kingdom, however it will allow cover abroad temporarily (max 25 days throughout your annual policy), for manual work in the EU and non-manual work anywhere in the world, in conjunction with your Business only.
Have a question? Contact us...
If you have any other questions regarding our Builders Insurance, then feel free to get in touch on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.
More information on what we can cover on this policy can be found on our FAQs page.