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👷 Builder’s insurance

Insurance for Builders

Builders work on structures, clients’ homes and active sites where accidents, damage and theft can quickly turn into costly claims. Builders Insurance helps protect your business if something goes wrong, from injury to a member of the public to damage to property or loss of key tools, so you can keep jobs moving.

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What is Builder’s Insurance?

Builders Insurance is a package of covers for contractors working on domestic or commercial building projects. Public liability is usually at the centre, with options such as tools and equipment cover and employers liability. It is designed to help with the cost of compensation claims, stolen kit and other financial losses after an insured event.

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Why Choose Business
Compare for your Builders Insurance?

Business Compare works with a panel of UK insurers who understand building trades. Enter your details once to see quotes from several providers, then adjust cover limits and optional extras to match how you work, who you employ and the types of jobs you take on.

Our Benefits Include:
  • tick Online quote form set up for trade businesses
  • tick Quotes from multiple UK business insurers
  • tick Options for sole traders, partnerships and limited companies
  • tick UK based support if you want help choosing your cover
Additional Coverage

options for Builders

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01

Contract work insurance

Helps protect work in progress and materials on site if they are damaged by an insured event before completion.

03

Goods in transit insurance

Helps cover materials, fixtures or tools while they are being moved between your premises, suppliers and sites.

02

Professional indemnity insurance

Helps with legal costs and claims if a client alleges your design, specification or advice has caused them a financial loss.

04

Legal expenses insurance

Can help with the cost of certain legal disputes, such as contract or employment issues, up to the policy limits.

What affects your premium?
Several factors can change what you pay for Builders Insurance.
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Type of building work

Structural work, roofing and major refurb jobs usually cost more than light repairs, small extensions or internal-only work.

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Contract size and turnover

Larger projects, higher annual turnover and more active sites increase the potential size and number of claims insurers price for.

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Workforce and claims record

More employees, labour-only subcontractors and a recent run of claims can push premiums up, while a smaller, well managed team and clean record may help keep costs down.

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Tools, plant and site security

The value of your tools, plant and materials, and how securely you store them on site, in vans or in yards, can affect the cost of cover.

Why Do You Need
Builder’s insurance?
Building work often takes place in busy, high risk environments using power tools, access equipment and valuable materials. A mistake or accident can lead to injury, property damage or theft. Public liability insurance can help with compensation claims, tools and equipment cover can help you replace stolen or damaged kit, and employers liability is vital if you have staff, helping you meet your legal duties and deal with employee claims.
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Protect your building business today by filling in our quick online form. We’ll provide you with competitive quotes from top UK insurers, ensuring that your business is fully covered.

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