Building Contractors
Public Liability Insurance
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Insurance for Building
Contractors
Building contractors handle a wide range of work, from small refurb jobs to larger builds on busy sites. That can mean higher risk of injury claims, property damage, and losses to tools or materials. Building contractors insurance can help with costs after an insured event, so one incident does not derail the job or your cash flow.
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What is Building Contractors Insurance?
Building contractors insurance is usually a package of covers for construction businesses, not one single policy. Public liability is often central, and you can add employers liability if you have staff. Depending on the insurer, you may also add options like contract works cover, tools and equipment, plant, and professional indemnity where you provide advice or design input.
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Why Choose Business
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Building Contractors Insurance?
We compare quotes from a panel of UK insurers, including providers that support construction trades. You can review options in one place and adjust limits, excess, and add-ons to match your work and team size. If you want help, our UK team can talk you through the differences before you choose.
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for Building Contractors
01
Plant and Machinery Insurance
May cover larger equipment like diggers and mixers against theft or damage, subject to terms.
02
Personal Accident Insurance
May provide financial support if you or a key worker is injured and cannot work.
03
Professional Indemnity Insurance
Can help with claims linked to advice, design, or specification errors, where relevant.
04
Legal Expenses Insurance
Can help with certain legal costs for disputes with clients or subcontractors.
Contractors Insurance Premium?
Work type and risk level
Renovations vs new builds, domestic vs commercial, and any higher risk work on site.
Turnover, staffing, and subcontractors
Turnover, number of employees, and how much work is subcontracted.
Limits, excess, and covers chosen
Liability limits, your excess, and options like contract works, plant, or PI.
Claims history and equipment values
Previous claims, plus the value of tools, materials, and equipment you insure.
Building work can create costly problems quickly. A burst pipe during a refurb can damage finished rooms, a dropped tool can crack tiles or glass, and a member of the public can be injured near the site. If you employ staff, injuries at work can lead to claims. The right cover can help with claim costs and protect projects and materials if an insured event disrupts the build.
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Protect your business today by filling in our easy online form. We’ll provide you with a selection of competitive quotes from top UK insurers, allowing you to choose the best cover for your needs.
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