0333 320 6009
0333 320 6009
Builder checking his work


Builders Insurance

Simple & hassle free builders insurance

We compare quotes from leading insurers

Insurance for building contractors & construction professionals

When working in an industry such as construction, any builder will know the smallest mistake can have major consequences, meaning builders insurance that covers the risks that your business faces should be a top priority for any construction professional.

However large or small the job is, safeguarding against the unexpected is essential to protect you, your clients, employees and your business’ reputation. Finding the right builders’ insurance that’s tailored to your unique requirements can sometimes be a challenge and is often time-consuming. That’s why we’ve made it easy to compare quotes from trusted insurers and find the cover that’s right for you.

Whether you’re a contractor undertaking small projects or a larger construction company with more challenging requirements, we understand that one size does not necessarily fit all. So, we make recommendations based on your individual needs to ensure the builder insurance we arrange for you is tailored to suit your business.

If you have simple requirements and know what covers you need, you can compare and purchase builder insurance online in a matter of minutes. However, over the phone, our construction experts will provide advice along with a professional insurance recommendation tailored to you and your business activities.

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
Get a 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
Call:  0333 320 6009

Builders insurance cover in detail

What is building and construction insurance?

Building and construction can be a risky industry, no matter how careful you are. When working on site, accidents can occur causing injury or damage to your employees, passers-by, your clients and their property. As such, having the right accident and liability covers is crucial. So, whatever your speciality within the building trade, builders insurance is essential to protect yourself against unfortunate events that could lead to claims being made against you.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Contractor speaking with customers

Builders public liability insurance

As careful as you may be, there are many risks associated with working on site that could lead to injury or damage to property.

Public liability insurance can protect you against these unforeseen circumstances. 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.

Employees studying design plans

Builders Employers' liability cover

You may be working as a sole trader, or have employees who work for you in your building company.

If you do employ a team, or use labour-only subcontractors, then you will need to take out  employers' liability insurance to safeguard your employees against accidents at work.

Injury while at work

Personal accident cover for builders

Working on site can be dangerous, and while builders liability insurance is a must, you may also wish to consider personal accident cover within your construction insurance to protect yourself against incidents at work as well. If you were unable to work following an accident, personal accident cover provides a weekly benefit to tide you over while you get back on your feet.
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Contract works, plant, equipment and tool cover

Depending on the jobs you do, you may also wish to protect your tools and equipment, or even temporary buildings and hired in plant. Tools cover can be selected to cover hand tools and power tools up to a specified limit, however for anything above this you may wish to consider contract works cover.

Contract works cover is generally aimed at builders carrying out larger contracts that would be on site for several months and can protect your temporary buildings or plant, and even hired in buildings and plant, as well as cover the value of your contract. Contract works cover is an important cover for many building contractors.

Employee getting into van

Builder van and vehicle insurance

A van or a fleet of vehicles could be a crucial part of your business; whether it’s for building site deliveries, tools, or even just getting to and from your worksite daily. You may also have special requirements for vehicles that have special modifications or built-in equipment such as lifts and hoists. We understand the need for quality cover that gives you peace of mind. Take a look at the commercial van insurance page to find out more about van insurance for builders.
Legal protection

Commercial legal protection

Litigation proceedings are becoming more and more common. Commercial legal protection can cover certain business-related events to give you financial peace of mind if a customer takes you to court. It can also offer protection against tax and VAT disputes and employment disputes as well. While some insurers will include this as standard others offer it as an additional extra.
Engineer surveying construction site

Builders professional indemnity cover

Professional indemnity insurance is designed to protect your business in the event that a client suffers financial losses as a result of the work you do for them. Your clients rely on your professional expertise. If something went wrong causing them to lose money, you may be liable to pay them compensation. Professional indemnity insurance can offer protection against these eventualities, and give you peace of mind knowing that should something unexpected happen, you’re covered.
Building site view from above

Buildings, contents and stock cover

If you are looking to protect contents, computers, buildings and stock at an office or premises you run in conjunction with your business, then this can also be included within some policies.
Building site groundwork

Business interruption insurance

Business interruption cover can also be incorporated to protect your turnover should you suffer damage at your premises that would affect your ability to trade.

Builders insurance FAQs

At Premierline, we offer flexible builders insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your business, you should consider the following:

  • Builders public liability insurance
  • Employers' liability for builders
  • Builders personal accident cover
  • Contract works, plant, equipment and tool cover
  • Builders professional indemnity cover
  • Buildings, contents and stock cover
  • Business interruption insurance
  • Van and vehicle cover
It may be your business requires specialist cover related to higher risk activity you may undertake, for example, 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 builders 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. Get a personalised quote online or contact one of our business insurance specialists to find out how much your builders insurance might cost to protect yourself and your business from unforeseen circumstances.

As a business insurance broker, we can source insurance for a range of different construction professionals. From full-service building contractors specialising in constructing single residential homes or commercial buildings, to specific types of buildings such as restaurants, factories or stadiums.

We can also provide recommendations for many specific construction trades such as:

  • Roofers & scaffolders
  • Cladding contractors
  • Groundworkers
  • Civil engineers
  • Glazing companies
  • Property developers
  • Carpenters and joiners
  • Electricians
  • Plumbers
  • Bricklayers
  • Flooring contractors

Our construction and building insurance trained experts understand the risks you face and have access to specialist A-rated insurance providers who can protect your business, providing you with the peace of mind that the policy meets your needs today.

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.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

Insurance experts at Premierline

We're Contractor Insurance Experts

We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • 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

Our customer reviews and testimonials

“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

Customers rate us 4.7/5

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.

Speak to a builders insurance expert

We arrange insurance for many types of builders, tradesmen and construction professionals. If you know what you need you can get multiple quotes in just a few minutes online today or if you need advice call to speak to our advisors. They’re on hand to talk you through your cover options and find the right builders’ insurance for you.

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
Get a 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
Call:  0333 320 6009