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Compare builder insurance and builders liability insurance

Any builder will know the smallest mistake can have major consequences, meaning builders liability insurance should be a top priority for any tradesman. 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 cover that’s right for you.

Whether you’re a bricklayer, joiner or other specialist tradesman, 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 know what covers you need, you can compare builder insurance online in a matter of minutes. However, over the phone our advisors can provide advice along with a professional insurance recommendation tailored to you and your business activities.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Protect your business online
    It's simple and hassle free
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 189 Feefo reviews

Get your personalised quotes for builders insurance, tailored to your business needs:

Compare quotes online

For builders insurance advice, call:
Request a call back

Insurance for Builders

What insurance do builders need?

Construction can be a hazardous 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. When deciding what insurance and covers you need to protect your business, you should consider the following...

Builders covers to consider:

How much does builders insurance cost?

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.

Builders insurance covers

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.

Employers’ liability insurance for builders

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. Typically, these covers can be combined into one ‘easy to buy’ insurance policy, tailored to your specific needs.

Builders’ personal accident cover 

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.

Contract works, plant, equipment and tool cover for builders

Depending on the jobs you do, you may also wish to protect your tools and equipment, or even temporary buildings and hired in plant. Tool 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. This is generally aimed at builders carrying out larger contracts that would be on site for a number of months, and can protect your own temporary buildings or plant, and even hired in buildings and plant, as well as cover the value of your contract.

Buildings, contents and stock cover for builders 

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.

Builders' 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.

Van insurance for builders

A van could be a crucial part of your business; whether it’s for building site deliveries, tools, or even just getting to and from your work site on a daily basis, we understand the need for quality cover that gives you peace of mind. Take a look at business van insurance page to find out more about van insurance for builders'.

Compare builder insurance quotes

We arrange insurance for many types of builders and tradesmen. 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.


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.

Get your personalised quotes for builders insurance, tailored to your business needs:

Compare quotes online

For builders insurance advice, call:
Request a call back

"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)