Builders' insurance

Builders' insurance tailored to you

Builders are in a risky business. However well prepared you are, mistakes do happen – and a single slip could be disastrous. With Simply Business you can protect yourself, your business, your equipment, and your clients, with a flexible insurance policy that’s tailored to you. Whether you are a self-employed builder working on your own or you run a business employing people, it’s quick, quality cover, without the hassle.

Builders' insurance at Simply Business starts with public liability insurance, which can pay if you’re blamed for injury to a member of the public or property damage. You can then choose additional covers to tailor your policy to your individual requirements.

The average insurance claim for builders is £18,865 – could you afford this if the worst happened? (Average claim being £18,865. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

What insurance do builders need?

Builders' public liability insurance

Public liability insurance is often an important cover for builders and most other trades, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

Other business insurance for builders

If you have employees, contractors, casual workers or temporary staff, you’re usually required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Personal accident insurance is important for anyone who works in construction, covering both lost earnings and medical costs that result from a serious injury.

Other covers available to builders include tool insurance, plant and machinery insurance and business equipment insurance.

Builder insurance policy details

• Make sure you read your policy documents carefully in order to understand any exclusions
• If you take out equipment cover, be careful not to underestimate the replacement value of your equipment
• Most business owners who employ people are legally obliged to take out employers’ liability insurance. Failure to do so could result in heavy fines.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Is your van insured?

By law, all vans in the UK used for business purposes need a commercial van insurance policy.

Find out more