Aerial shot of a busy construction site

Building & Construction Insurance

Construction insurance, sometimes referred to as construction liability insurance typically provides a broad range of specialist insurance covers that provide protection during building and construction projects for a wide variety of trades within the construction industry. 

If an unexpected accident occurs on site the cost of a liability claim, or property damage can have a significant impact to your business. Construction insurance covers are designed to protect you, your employees, third parties, machinery and plant, construction works and legal liabilities.

To find out more about how construction insurance, the types of businesses that this cover is suitable for, and how Premierline can support you and your business in arranging the right covers - keep reading.

Any builder knows that the smallest mistake can have major consequences, meaning builders insurance should be considered top priority.
Dealing with excavations on a daily basis comes with many risks meaning groundworkers insurance is required in case something goes wrong.
Whether you're undertaking renovations, refurbishments or developing new builds, you need flexible insurance in place that meets your needs.
The risk of working at height is just one of the reasons you need quality roofers insurance to protect you against the unexpected.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Depending on your needs, we can usually arrange construction cover as a single package or design a bespoke risk management solution to ensure your business activities are protected.
Designed for small businesses and contractors that have straightforward insurance needs. In most cases you can compare quotes and buy your policy on our website.
Contractors all risk insurance is a flexible package policy that provides many covers suitable for construction businesses as a single, easy to manage combined insurance product.
Whether it's project specific contract works insurance or a bespoke suite of risk management products, we can provide recommendations and arrange the cover you require.
Construction is a complex industry and the risks are numerous and varied. That’s why it’s important to ensure you have the right insurance in place to protect your construction business. Just some of the key covers to consider when working in the construction industry are detailed below.
Public Liability Insurance

  • As careful as you may be, there are many risks associated with working on a construction site that could lead to injury or damage to property. Public liability insurance can protect you against these unforeseen circumstances. It ensures that any claims from a third party can be met (up to certain limits).
  • For example, if a passer-by tripped over your materials and injured themselves, this cover can give you peace of mind to focus on the job in hand.

Employers' Liability Insurance

  • Employers' liability - to protect you against any claims for compensation following an injury sustained by any of your employees whilst at work.

Professional Indemnity

  • Professional indemnity - if you’re providing advice, for instance design or technical services then this insurance is designed to protect you should your client suffer financial losses as a result of the work you do for them. 

Business Interruption Insurance

  • Business Interruption insurance can provide cover for loss of profit or revenue that you may incur to get yourself back up and running if you are unable to trade following an insured event.

JCT Insurance

  • JCT insurance is designed to provide liability for loss or damage to neighbouring properties that arise due to non-negligence. Typically this is a separate policy that would be purchased for a specified project.

Contract Works Insurance

  • Contract works (also referred to as Contractors All Risks) is designed to offer financial protection against the work in progress on site if its affected by an unexpected incident, such as flooding, fire, theft or vandalism.

Plant & Equipment Insurance

  • Plant & Equipment cover is designed to cover against damage to your own or hired in plant and equipment.

Our insurance advisors have many years of experience arranging insurance for businesses in the building and construction sector. Below are just some of the types of businesses we can find cover for. If you work in a niche construction trade or work across a number of specialisms - we can usually tailor a package suitable for your profession.

  • Builders Insurance
  • Electrician Insurance
  • Groundworkers Insurance
  • Plumbers Insurance
  • Property Developers Insurance
  • Roofers Insurance
  • Carpenters & Joiners Insurance
  • Civil Engineering Insurance
  • Plus many more
It may be your business requires specialist cover related to higher risk activity you may undertake for example, in which case we could access specialist covers which are designed to protect you working at unrestricted heights and depths. Our relationships with specialist construction insurers means we can access insurance protection that you may struggle to find easily elsewhere.
The cost of construction insurance depends on a variety of factors including the size of your business, the jobs that you take on and the types and level of cover required. In some cases, you can get a personalised quote online or contact one of our business insurance specialists to find out how much your construction insurance might cost to protect yourself and your business from unforeseen circumstances.
By speaking with an insurance professional at Premierline, you’ll be able to discuss your insurance needs and get advice on the different insurance covers that can protect all aspects of your construction activity. They’ll be on hand to assist with any queries you have whilst keeping the terms and conditions of your policy easy to understand.
Business insurance experts at Premierline
  • Award winning service
    We're trusted by thousands of SMEs across the UK
  • Comprehensive protection
    We can help with all your commercial insurance needs
  • UK based experts
    Located in Lancaster, our advisors are here to help
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“A very competitive price. Painless renewal on my public liability insurance. Would recommend Premierline for all business insurance needs.”
Contractor Business owner
Customer since October 2021
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
We understand the risks associated with working on a construction site, whether working on new builds or renovations, an incident could put the overall project at risk. Speaking to an insurance broker with expertise in the construction industry can help you navigate the type of insurance covers you need and evaluate the risks you face. Here at Premierline we pride ourselves on exceptional service standards and will support you for the duration of your policy.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm