Telephone iconCall UsTelephone icon0333 0146 683
Our opening hours

Builders' insurance

Join over 30,000 builders like you. Compare tailored insurance from trusted brands.

Get tailored quotes in 7 minutes

Start your quote
Builders discussing plans

Compare quotes from leading brands

Liked icon

Rated 4.7/5

Star icon
Star icon
Star icon
Star icon
Star icon
Star icon

Based on 38,287 reviews

Precise icon

Claims paid in 24 hours

For 80% of settled claims

What's on this page

Why is builders’ insurance important?

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.

  • Tick iconProtection from big claims like accidental injury or damage
  • Tick iconHelp to keep going when an unexpected event gets in the way
  • Tick iconIt covers what you need from legal costs, to tools, to personal accidents
Start your quote

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.

Public liability insurance

In case you or your employee injure someone or damage their property.

What’s typically covered by public liability insurance?

  • Tick iconaccidents while working at your premises, or on a commercial or residential building site
  • Tick iconaccidents while building new structures, or altering, converting or extending existing ones
  • Tick iconaccidents that happen because of your work, or faulty materials, equipment or parts

For example:

  • a wall you’re building accidentally falls on a member of the public
  • your employee accidentally puts a ladder through someone’s window

What you’ll need additional cover for

  • if you do work other than building on some standalone jobs – for example, electrical work, plastering, or plumbing

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured while working for you.

What’s typically covered by employers’ liability insurance?

  • Tick iconemployee illness or injury caused by working for you
  • Tick iconmedical bills and legal fees due to employee illness or injury
  • Tick iconsome temporary or casual workers may be covered – find out which ones

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your bricklayer develops a repetitive strain injury in their shoulder
  • your apprentice gets an electric shock from a faulty power tool

Tools insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tools insurance?

  • Tick iconloss, damage or theft of your hand tools, power tools and equipment

For example:

  • a flood at your workshop causes water damage to your Stihl saw
  • you turn your back on site for a minute and your tool box is stolen

What you’ll need additional cover for

  • tools left in your van, hired plant, machinery, stock or contents

Read more about tools insurance

Stock insurance

In case materials you're responsible for, like bricks, are lost, stolen, or damaged.

What’s typically covered by stock insurance?

  • Tick iconloss, damage or theft of materials like bricks and cement

For example:

  • your bricks are stolen from the site you’re working on

Read more about stock insurance

Business and office equipment insurance

In case things like laptops or office filing cabinets are lost, stolen, or damaged.

What’s typically covered by business and office equipment insurance?

  • Tick iconloss, damage or theft of things like your work laptop

For example:

  • you take your laptop on site and drop an electric drill on it
  • your work laptop is stolen from your home

What you’ll need additional cover for

  • your tools, materials and machinery

Read more about business and office equipment insurance

Hired-in plant insurance

In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.

What’s typically covered by hired-in plant insurance?

  • Tick iconloss, damage or theft of things like excavators, rollers, cement mixers etc. you’ve hired in

For example:

  • a bulldozer you’ve hired is stolen from the site you’re working on
  • you damage a cement mixer you've hired by dropping a saw into it

What you’ll need additional cover for

  • tools and plant machinery you own

Read more about hired-in plant insurance

Own plant insurance

In case plant machinery, like excavators, you own is lost, stolen, or damaged.

What’s typically covered by own plant insurance?

  • Tick iconloss, damage or theft of things like excavators, rollers, cement mixers etc. you’ve hired in

For example:

  • your bulldozer is stolen from the site you’re working on
  • you damage your cement mixer by dropping a saw into it

What you’ll need additional cover for

  • plant machinery you hire in

Read more about own plant insurance

Contract works insurance

In case your building work in progress is damaged by something like a fire, flood or vandalism.

What’s typically covered by contract works insurance?

  • Tick iconrepair costs for the work you have in progress on a building site or job if it’s damaged or destroyed
  • Tick iconlabour, materials and tools to get the job back to the stage it was at before it was damaged or destroyed
  • Tick icondamage caused by things like fires, floods, storms, vandalism or theft

For example:

  • a fire partially destroys a house extension you’re in the middle of building
  • high winds rip the roof off a summer house you’re in the middle of putting up in a customer’s garden

What you’ll need additional cover for

  • existing structures already on the site you’re working on

Read more about contract works insurance

Legal expenses insurance

In case you’re faced with legal costs from running your business.

What’s typically covered by legal expenses insurance?

  • Tick iconlegal expenses resulting from your day-to-day business activities, like disputes with employees
  • Tick iconthe cost of legal claims relating to property damage, nuisance or trespass
  • Tick iconHMRC investigations, and tax and compliance disputes
  • Tick iconincludes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your business’s reputation

For example:

  • if an employee is injured at work and brings a case against you
  • if your site is vandalised and you bring a case against the vandals

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at or outside of work.

What’s typically covered by personal accident insurance?

  • Tick iconinjury or death at work or outside of work, for anyone covered on the policy
  • Tick iconlost income, medical costs and hospitalisation benefit

For example:

  • you lose a finger while working on site
  • your casual labourer breaks his leg while on a night out

Read more about personal accident insurance

Professional indemnity insurance

In case a client loses money because of your advice, services or designs.

What’s typically covered by professional indemnity insurance?

  • Tick iconlegal costs of defending yourself if you give bad advice that causes a client to lose money

For example:

  • you design an extension to a house and it collapses within the first year
  • you advise a customer to use superglue to hold up kitchen cabinets and they fall off the wall

Read more about professional indemnity insurance

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 £6.82 per month

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

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 October 2019 - 31 March 2020). Most customers pay more than this but some pay less.

Example quotes, real prices

£9.47 /month

£96.59 /year

A builder working on residential alterations, conversions and extensions

  • 5+ years experience
  • Sole trader
  • No employees
  • Based in Manchester

Public liability

£1,000,000


Employers' liability

Not included


Tools

Not included

£121.28 /month

£1,237.05 /year

A builder working on commercial new builds, alterations, conversions and extensions

  • 5+ years experience
  • Limited company
  • 3 employees
  • Based in Swansea

Public liability

£5,000,000


Employers' liability

£10,000,000


Tools

£9,000

How we work out example quotes These examples are real quotes from our online system (created 13 May 2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

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 coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Tools£60£500
Stock£100£500
Business and office equipment£50£750

You'll get a complete breakdown of the excesses for each quote when you compare with us. The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

Simply Business logo icon

Direct to
insurer

Highstreet
broker

Compare policies from a range of trusted insurers

Tick icon
Minus icon
Tick icon

Buy online or over the phone in minutes

Tick icon
Tick icon
Minus icon

Access support by phone or online

Tick icon
Tick icon
Minus icon

We handle claims, so you can get on with business

Tick icon
Minus icon
Tick icon

How do I choose insurance?

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. Read our tips for guidance on what to consider when buying a policy.

Is public liability enough for third party property damage?

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

Can I just cover my most expensive tools?

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 insurance.

Which type of workers do I need insurance for?

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.

Will tools insurance cover all my equipment?

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.

Does builders’ insurance cover my work correctly?

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 roofer insurance or bricklayer insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered

Which public liability cover limit should I choose?

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.


Talk to an expert

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

customer support rep.

Call our team for free

Telephone icon 0333 043 8527
computer with tick mark.

OnlineArrow icon

Contact us on our website whenever suits you

How do 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. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

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.

Insurance payout

£4,335.00

Covering the cost of the damage to third party property


Andy’s costs

£100

The excess amount stated in Andy’s policy terms

Chosen by 600,000 small businesses

We started out as a team of 5 back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Quote icon

    Compare and buy in minutes

    Documents arrive today

  • Liked icon

    Rated 4.7/5

    Star icon
    Star icon
    Star icon
    Star icon
    Star icon
    Star icon

    Based on 38,287 reviews

  • Feedback icon

    Here to help

    Help from UK-based experts

  • Precise icon

    24/7 claims

    Make a claim any time

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’ insurance.

  • 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 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).

  • It’s a good idea to start with an assessment of the risks your business could potentially face.

    Tool cover will be an important one for most self-employed builders and construction business owners. It’s worth looking into the difference between tools insurance and hired-in plant insurance, to make sure you’re covering your livelihood effectively.

    Employers’ liability cover is the one you’re legally required to have if you have people working for you. If you’re in contact with members of the public in your work, too, it’s important to consider public liability insurance. And if you offer advice as part of your service, professional indemnity insurance may be one to add to the list.

    Other covers for builders to consider include:

We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer

Helpful articles for builders

builder

3 April 2018 • 4-minute read

How to become a self-employed builder: a step-by-step guide

Chevron right icon
Chevron right icon
Chevron right icon
Chevron right icon
Builders insurance

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter

Insurance

Public liability insuranceBusiness insuranceLandlord insuranceTradesman insuranceProfessionals' insuranceNot for profit insuranceRestaurant insuranceCommercial van insuranceInsurers

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.