Buy peace of mind today with Public Liability insurance
Your cover options
Essentials
Our builder's Essentials package includes Public Liability insurance and cover for Financial Loss.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Financial Loss £100,000
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
Plus
Our most popular option, the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
- Personal Accident cover up to £600 a week per person
Extras
Looking for extra insurances 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
Why do you need builders' insurance cover?
You and your company may be financially liable for the result of accidents caused by you, your company or a contractor either on your site 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 to get on with your job, many companies and trade associations require evidence of public liability insurance.
Builders' public liability insurance
When you take out builders' construction insurance with us, choose public liability cover of £1 million, £2 million or £5 million to protect you against claims. But, you get much more than this as part of your policy. Included with your builders' public liability insurance, you’ll automatically get £1,000 of 24 hour tools insurance – if you choose Classic or Plus level. This cover is effective anywhere in the UK, and includes overnight theft from your van. If necessary, extend tools insurance up to £15,000. Plus, you have the option to pay in monthly instalments on Direct Debit.
Who do we cover?
We cover builders with an annual turnover up to £3 million, and up to 15 employees online.
As a self-employed builder, you are likely to have staff, and our unique combined liability policy includes a standard level of £10 million 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.
If your business is bigger than this, please ring our UK based team on 0800 0280 380 or find other ways to contact us via our contact us page.
Related content
Public liability insurance FAQs
Got a specific question on public liability insurance? Find out everything you need to know, including what it's designed for, the levels of cover, plus much more.
Professional indemnity insurance FAQs
Need to know more about our professional indemnity insurance? Find out what it is, who it's for and why it's important with our informed FAQs.
Employers' liability insurance FAQs
Are you a small business who employs a number of staff? Find out everything you need to know about employer's liability insurance.
Optional Extensions FAQs
Extensions that are available as part of our Tradesman's Liability product, what they’re designed to cover and when they can be added.
Insurances you may also be interested in
Tools insurance
Van insurance
FAQs
Service rating
Products rating