Builder's Public Liability insurance
Specialist cover to protect your business from risks
Builders insurance is designed to protect your business against risks that arise on construction sites or in your daily work. It includes vital cover such as public liability, employers' liability, and tools insurance, to safeguard your business from unexpected costs, claims, and legal fees.
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What is Builders Insurance?
Builders insurance is designed to protect your business against risks that arise on construction sites or in your daily work. It includes vital cover such as public liability, employers' liability, and tools insurance, to safeguard your business from unexpected costs, claims, and legal fees.
Why Builders need Public Liability Insurance
Construction work comes with risks, from accidental injuries to property damage. Builders public liability insurance helps protect your business from third-party claims. While not a legal requirement, many contracts will demand proof of public liability cover before you can start work.
Is Public Liability Insurance a legal requirement?
Though not mandatory by law, it's required for most contracts. £5 million in cover is common for larger jobs, protecting your business from costly claims.
Employers’ Liability insurance explained
If you employ anyone, employers' liability insurance is a legal requirement. It covers your employees' injuries or illnesses while working for you, offering essential protection.
While most businesses legally require this, you are exempt if you run a family business that is not a Limited Company, or if you are the sole employee of a Limited Company you own. If you are unsure whether your staff or subcontractors qualify, it is safer to check before you start work.
How insurance helps you win work
Many clients will require proof of your insurance before you can start a job. Having the right cover not only protects your business but also shows professionalism and trustworthiness.
What does Builders' Public Liability Insurance cover?
What’s covered
✔ Injury: Covers medical expenses and compensation if someone gets hurt due to your work.
✔ Property Damage: If your work causes accidental damage to someone else's property, your insurance will cover the repair or replacement costs.
✔ Legal Defence Costs: Covers legal fees if you need to defend against a claim in court.
✔ Compensation for Loss of Earnings: Provides financial protection if claims lead to a loss of income.
What’s not covered
✘ Injury to the builder personally
✘ Injury to employees or apprentices
✘ Damage to own tools, plant, or premises
✘ Poor workmanship (unless it results in injury or damage)
✘ High-risk activities not disclosed in the policy
Why choose our Public Liability insurance for builders?
We’ve been insuring tradespeople for over 40 years. Here's why builders trust us:
Tailored to Builders: Our policies are built to cover the risks specific to your work, from public liability to employers' liability and tools cover.
Affordable: Get competitive premiums, designed to reflect the unique needs of your business.
Backed by Experts: Our UK-based support team is ready to guide you and help with claims when you need it most.
Your Builders Insurance cover options
Essentials
Perfect for sole traders and small businesses looking for basic protection.
- Public Liability insurance up to £5 million
- Third Party Financial Loss £100,000
- Employers' Liability insurance £10 million available
Classic
Expands on the Essentials package by adding more coverage, including:
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss cover £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Employers' Liability insurance £10 million available
Plus
Our most comprehensive cover, including:
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss cover £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Temporary Total Disablement Benefit up to £600 a week per person
- Employers' Liability insurance £10 million available
Optional Extras for Builders
Looking for extra insurance for your building work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
Who and what we cover
- Sole traders, partnerships, limited companies and limited liability partnerships
- Builders and Construction Engineers
- Individuals and SMEs specialising in building and construction work
- Businesses with turnover of up to £3 million
Additional Related Cover for Builders
Tools and Equipment cover
Tools insurance can safeguard your valuable tools and equipment against theft or damage.
Professional Indemnity
With our reliable Professional Indemnity insurance, you’ll receive protection against claims resulting from incorrect professional advice supplied to clients.
Other covers
Capital Death Benefit cover is available as part of our Classic and Plus packages. We also offer optional coverages, such as Contract Works insurance, which your business may need on a situational basis.
For more information or guidance, contact our approachable and knowledgeable customer service team.
FAQs - Public Liability insurance for builders
Related products and resources
Tools insurance
Van insurance
Construction insurance
Protect your building business today
Get the peace of mind you deserve. Secure your business against accidents, injuries, and property damage with comprehensive builders public liability insurance.