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Compare builders merchants insurance

Choosing the right insurance for a builder’s merchants can be challenging – it takes time and a good understanding of the covers on offer to make an informed decision.

Builders Merchants sit at the heart of the construction industry supplying a huge array of products and often have large levels of stock on site. Risks such as moving stock with forklift trucks, the correct storage of flammable products and expensive, specialist machinery to process orders mean that you require a comprehensive insurance to protect your property against the risks they face.

That’s why we work closely with a panel of trusted insurers to find you the right insurance solution that meets your unique requirements, so you can work without worry and focus on the job in hand.

From builders merchants to plumbers merchants, timber merchants to wholesalers, our advisors are available to give you professional guidance and make recommendations based on your individual insurance needs. We’re committed to finding you the right cover at the right price and supporting you for the duration of your policy.

Call us today to make arranging your business insurance simple and hassle-free.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
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Builders merchants insurance frequently asked questions

What is builders merchants insurance?

As your business insurance broker, Premierline will source a builders merchants insurance policy which incorporates a range of insurance covers to meet the main demands and needs of your business.

With so many covers to consider, it can be difficult to know what’s relevant to you and how the cover would work to protect your business. That’s why we have experienced insurance advisors on hand to provide the specific advice you need over the phone.

What insurance do builders & timber merchants need?

Typically, builders merchants insurance can cover your buildings, machinery, stock and raw materials, as well as your clients, your staff, and many other trading activities. Covers to consider include:

Builders & timber merchants covers

Public liability insurance

As careful as you may be, there are many risks associated with members of the public visiting a builders or timber merchants site that could lead to them being injured or their property being damaged. Public liability insurance can protect you against these unforeseen circumstances. For example, if a customer tripped over stock and injured themselves while visiting your builders merchants, this cover can give you peace of mind to focus on the job in hand should they look to seek compensation for their injury.

Employers’ liability insurance

If you do employ a team, or use subcontractors, then you will more than likely need to take out employers' liability insurance to satisfy your legal obligation to have employers liability insurance and protect your finances if an employee has an accident at work and tries to claim damages from you. Businesses have a legal duty to protect the safety of employees whilst at work.

Products liability insurance

Products liability insurance is strongly advised for producers, distributors, retailers or repairers of products. With any product, there is a chance of an error or omission happening at any stage from design to distribution of the product. It’s important to ensure your builders merchants is covered should any product you sell cause injury or damage to a person or their property.

Buildings, contents & stock insurance

Your premises, contents, stock and equipment are all elements of your business that require comprehensive protection against unforeseen events, such as fire, flood, theft and severe weather damage. Your cover can also include protection for a proportion of your stock being kept in the open.

Business interruption insurance

Whatever your builders merchants insurance needs, the ability to continue to trade following an unforeseen incident and get back on your feet as quickly as possible is crucial. Business interruption cover can cover this eventuality, so if your property is damaged following an insured event, your income and/or increased expenses can be protected to help get you back up and running.

Equipment, plant and machinery insurance

When machinery, plant and equipment is the backbone of your business it’s important to make sure your essential equipment is protected against the unexpected. This cover should protect all of your machinery and equipment at your builder merchants such as cherry pickers, cranes, forklifts, cutting equipment, generators and loading shovels.

Specified all risks insurance

For a complex business such as a builders merchants or a timber merchants you may wish to add specified items to your builders merchants insurance policy. Specified all risks can protect specific company items like laptops, mobile phones and portable office equipment against most risks such as accidental damage or theft including whilst they are away from the property.

Goods in transit insurance

If your builders merchants offer a delivery service, goods in transit insurance can provide the peace of mind that should your goods or stock be lost, stolen or damaged whilst in transit, you could have help recovering the cost of replacing them.

Commercial vehicle or fleet insurance

A commercial vehicle could be a crucial part of your business; whether it’s for customer deliveries, collecting stock or even just getting to and from the merchants daily. We understand the need for quality cover that gives you peace of mind so why not take a look at our business van insurance page to find out more about commercial vehicle insurance. If you have a fleet of company vehicles we could arrange to insure them under a motor fleet insurance policy.

Comprehensive builders & timber merchants insurance

All of these covers can typically be combined to offer a comprehensive builders merchants insurance package that is tailored to your unique requirements. Our specialist insurance advisors can help you find the cover that’s right for you by offering professional insurance recommendations over the phone based on your requirements.

So whether you are a builders merchants, plumbers merchants, timber merchants or wholesaler, call Premierline today to start a quote.


As a customer you'll get exclusive access to our Business Toolkit with resources from the experts and our Retail Rewards with discounts on big name brands.

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"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)