Building & construction insurance
Our industry experts can help you construct the perfect insurance policy
Explore popular construction trades in detail:
Builders Insurance
Any builder knows that the smallest mistake can have major consequences, meaning builders insurance should be considered top priority.
View builders insurance
Groundworkers insurance
Dealing with excavations on a daily basis comes with many risks meaning groundworkers insurance is required in case something goes wrong.
View groundworkers insurance
Property developer insurance
Whether you're undertaking renovations, refurbishments or developing new builds, you need flexible insurance in place that meets your needs.
View property developer insurance
Roofers insurance
The risk of working at height is just one of the reasons you need quality roofers insurance to protect you against the unexpected.
View roofers insurance
Scaffolding Insurance
A specialist insurance package designed to protect your scaffolding business from unexpected risks.
View scaffolding insuranceCan't see your trade?
We arrange insurance for many specialist construction trades, speak to an advisor today.
Start a quote
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
Speak to an expert
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
Construction insurance packages
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.
Typical construction insurance covers
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.
Covers to consider:
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.
Construction insurance FAQs
What types of construction businesses can you insure?
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
I require specialist cover related to my trade, can you help?
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.
How much does construction insurance cost?
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.
How do I know what covers to choose?
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.
Why choose us to arrange your construction insurance
- 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
We compare quotes from leading insurers
Customer reviews and testimonials
“Amazing service as usual. They provided me a competitive insurance premium for another year and made it simple for me to renew my insurance. Easy to contact and speak to a knowledgeable person on the phone. I've already recommended Premierline to friends.”
Builder
Customer since December 2021
Our independent customer reviews
Speak to a construction insurance expert
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.
Start a quote
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
Speak to an expert
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
Related building & construction articles on the Insight Hub
You might also be interested in these other news and insight features:
Explore the new relationship between Premierline and the Scaffolding Association, aimed at delivering bespoke protection to members.
Learn how to manage construction site risks. Identifying the hazards and securing the site to create a safe environment.
A look into professional indemnity insurance for the construction industry, exploring what it does and what it costs
Learn how to prioritise scaffolding safety on site, with our top tips for managing common scaffolding hazards, to help you create a safer work environment.
Learn what to expect during a construction site inspection, how to prepare with a checklist, and why contractor insurance is vital for protecting your site from unexpected risks.
Buildings that contain asbestos can pose a serious risk, which is why it’s important to manage risk when working around or removing asbestos.
A risk management guide to identifying and mitigating the risks of water at construction sites.
Working from heights is the main cause of Injury and fatality within the construction industry. We speak to the experts for tips on how to minimise risks.