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Builder Insurance & Contractors All Risk

Don’t be that guy...
Get Public Liability cover with us and get:
£1k Tools cover with our Classic Public Liability insurance
£400 Personal Accident cover per week with our Plus Public Liability insurance
Terms & Conditions, exclusions apply.

What cover can I get?

Cove for upto £5mPublic Liability cover of £1M, £2M or £5M available

All under the same policy£10M of Employers’ Liability and £100k Professional Indemnity cover included under the same policy

Contractors works cover upto £1.5mContract Works (Contractors’ All Risks) cover available up to £1.5M

Optional extras availableOptional extras such as Stock in transit, Owned Plant, Hired-in Plant, and Tools Cover can be added to the policy

Who do we cover?

We cover all types of businessesWe offer cover for building/ construction companies, self employed contractors and subcontractors

Associated trades and general worksGeneral works contractors and associated trades

Cover for companies with turnover upto £3mWe provide cover for companies with turnover of up to £3M

Cover up to 15 employeesYou can insure a total of up to 15 employees or trainees

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Flexible levels of cover

When you take out builders construction insurance with us, you can select a level of Public Liability cover of either £1million, £2million or £5million to protect you against public liability claims. But because we understand the building trade, you get much more than this as part of your policy. Included with your builders insurance you automatically receive £1,000 of 24 hour all risks tools insurance for the first person – if you choose the Classic or Plus cover level. This cover is effective 24 hours a day, anywhere in the UK, and includes overnight thefts from your van following a violent and forcible break in to your vehicle. If necessary, cover can be extended up to £15,000.

As a builder, you are likely to have staff, and our unique combined liability policy includes a standard level of £10million of Employer’s Liability insurance.

Also included as standard with insurance for builders is £100,000 Professional Indemnity cover in respect of professional advice given

Optional extras

On top of these inclusions, you can add extras to your policy, such as Personal Accident insurance with our Plus product, which could provide an income if you are unable to work as the result of an accident at work, and plant cover for machinery and plant vehicles up to values of £250,000.

Bigger business?

We cover businesses with an annual turnover up to £3million, and up to 15 employees online. If your business is bigger than this, then please ring our insurance experts on 08000 280 380.

Why do I need Public Liability insurance?

You and your company may be financially liable for the result of an accident caused by you, your company or a contractor either at your premises or elsewhere. Public Liability claims can be very expensive, which could have a major impact on you or your business. As well as giving you peace of mind, many companies and trade associations require evidence of Public Liability insurance.


Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

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Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.