Contractors and Construction Insurance

That will depend on your business. If you have any employees, you will need Employers’ Liability insurance of at least £5m, and while it’s not a legal requirement, some of your customers, such as local authorities, may request that you have certain limits on your public liability insurance in place.

As a wide range of policy types are included under the Construction Insurance umbrella, it can offer protection to several different professions.  Construction firms, builders, tradesmen, scaffolders, electrical contractors, and basement contractors are just some of the professionals that it can cover. 

The construction industry and its associated trades all face risks that need to be covered. This could be the risk of a member of the public having their property damaged, you or one of your employees being injured – construction has the highest accident rate by sector in the UK – or having your tools or equipment stolen. Having the right Construction Insurance in place can offer great peace of mind.

That will depend on things like the size of your business, whether you have any employees, where you are working, the work you’re doing, your business’s postcode, and your claims history. For a tailored insurance quote, please call us on 0800 368 9018, and the team will be happy to help.

There are ways you can potentially get cheaper construction insurance. Make sure you use a specialist independent broker who understands the construction industry and has access to a panel of insurers who offer specialist construction policies. Working with a specialist will allow you to ensure you have the right cover, saving you from taking out covers you don’t need. Talk to your advisor about how you secure your equipment and compare payment options; paying annually is usually cheaper.

Getting a quote is easy. Whether you need specialist Construction Insurance, scaffolder’s insurance, or something more general, such as a tradesman’s insurance, we can help.