Builders Insurance

Builders Professional Indemnity Insurance from errors, negligence, or mistakes in the professional advice or services you provide. If a customer alleges that your work caused them financial loss due to design flaws, inaccurate planning, or poor advice, this insurance can help cover legal costs and compensation payments.

Public Liability Insurance for Builders protects you from claims made by third parties for any injuries or damage to property resulting from your work. For example, if a member of the public is injured by falling debris or a customer’s property is accidentally damaged during a project, Public Liability Insurance could cover the legal and compensation costs

Yes, many insurance providers we work with offer cover for tools and equipment as part of a wide Builders Insurance Policy. T, depending on your policy wording, allowing you to quickly replace them and avoid delays on projects

The level of cover you need will depend on factors like the size of your business, the type of projects you do, the value of your contracts, and any other risks you face. Consider the potential costs of a claim, the value of your assets (like tools and equipment), and any legal requirements or contractual obligations, which could specify minimum cover levels

Subcontractors are not always automatically covered under Builders Public Liability Insurance. If you hire subcontractors, you should check your policy to see if they’re included or if you need to add them. Some policies require separate insurance for subcontractors or might only cover them if they are directly employed by you

The cost of public liability Insurance for builders can vary widely depending on several factors including:

• Business size and turnover – smaller businesses or sole traders typically pay less than larger companies with higher turnovers.
• Level of cover
• Type of work – Higher-risk trades (e.g., roofing, scaffolding) will have higher premiums due to the increased likelihood of accidents. General construction or carpentry tends to be less expensive.
• Claims History