To find the right builders' insurance policy for your business, compare quotes from different providers and choose the best deal.

What do you need to cover?

Builders' insurance policies usually cover:

  • Public liability which covers the cost of claims made by third parties if your business accidentally causes death, injury or damage to property.

  • Employers' liability which protects your company against compensation claims made by your employees if they suffer illness or injury as a result of their work.

  • Business equipment if it gets lost, stolen or damaged.

Decide what you want to cover and then get quotes. Check which quotes offer the protection your business needs to help you choose the right policy.

How big is your business?

If your business is of a certain size, you may need a specialist builders' insurance policy. For example, you may need a specialist policy if your business:

  • Turns over more than a certain amount e.g. over three million a year

  • Employs more than a specific number of people e.g. more than 15 employees

Each quote will have different conditions. Carefully check the terms and conditions to figure out if the size of your business will affect your policy.

Are there any exclusions?

Builders' insurance policies usually come with exclusions and conditions, including:

  1. 1.

    Health and safety provisions: Your policy could be invalid If your insurer finds your business failed to meet health and safety standards before an incident.

  2. 2.

    Pollution: Your insurer will not cover damage caused by pollution or contamination.

  3. 3.

    Deliberate actions: Your business will not be covered if it has been found that harm was intentionally caused.

Check your quotes carefully to find out what's excluded. This will help you find the right policy and decrease the risk of surprise bills if something went wrong.

Builders' insurance FAQs


Do I need builder's insurance?


If your business employs more than one person, you legally obliged to at least have employers' liability insurance


Does builders' insurance cover contractors?


Not always, some policies cover contractors but others do not. Contact your insurer or check your quotes to find out.


Does builders' insurance cover vans?


No, you will need commercial van insurance or fleet van insurance to cover builders' vans.


Can I get builders' insurance if I'm a sole trader?


Yes, most insurers will provide cover for sole traders.