Builders insurance

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Why do you need builders insurance?

Builders insurance protects you against the cost of accidents and mistakes at work. While you can’t stop them from happening, you can make sure you’re covered. Whether it’s just you or you have others working with you, it’s protection for your business and your customers.

  • protection from big claims like accidental injury or damage
  • help to keep going when an unexpected event gets in the way
  • it covers what you need from legal costs, to tools, to personal accidents

What does builders insurance cover?

You understand your business best – that’s why we put you in control. Whether you want to cover yourself for accidents on site, legal disputes with clients or the tools you need to run your business, you pick what goes into your policy. Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself.

How much does builders insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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Example builders insurance quotes, real prices


What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability



Employers’ liability

No excess

No excess







Business and office equipment



Professional indemnity

No excess


How it works

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Get prices from a range of insurers

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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527


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Find answers to common insurance questions

How do builders insurance claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

As part of our 18 years of insurance experience, here’s how we’ve helped builders like you

Having builders insurance through Simply Business has saved builders thousands of pounds when the unexpected happened.

Andy saved more than £4,335

Andy (not his real name) was working on a loft conversion for a customer when his ladder fell onto someone else’s car. It damaged the bonnet, roof and windscreen. Luckily Andy’s insurance covered the cost of the repairs.

Builders insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about builders business insurance. You can also check out our business insurance FAQs.

In some situations you may need more than public liability to cover certain kinds of property damage. Learn about hired-in plant cover and contract works cover.

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tools cover.

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider roofers insurance or bricklayer insurance?

If you provide other services, make sure you’re covered.

Other types of insurance

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Insurance companies calculate the price of your policy based on a range of factors. The quotes you get to compare will be based on your unique business. The following factors could affect the prices you’re quoted:

  • your claims history
  • how long you’ve been in business in this particular trade
  • if you work in dangerous environments
  • if you work with dangerous materials
  • the value of your tools, equipment or materials
  • the number of covers you want to include in your policy

If you have people working for you, employers’ liability insurance is required by law. While you may not be legally required to have other types of insurance, there are some covers builders may want to consider.

Being covered may be especially important if you want the added mark of trust you get from membership of a trade body or professional accreditation. Some trade bodies may require you to have a certain level of public liability or professional indemnity cover, for example.

You can set up your insurance before you begin trading. At this point you don’t need trade licences, but as soon as you begin trading, you’ll need to have any required licences in place.

Under the terms of your builders insurance policy, you’ll need to comply with all relevant rules and regulations for your insurance – and any claims you make – to be valid. Check which licences apply to your unique business using the government’s licence finder.

Whether you set up as a sole trader or a limited company, you’ll also need to register with HMRC (and Companies House if you form a limited company).

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

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