Builders Insurance

Build a solid foundation for your business – talk to the experts at Towergate about Builders Liability insurance.

  • Include cover for up to five different trades in one policy, including tiller, plumber and electrician.
  • Can include difficult-to-find cover such as JCT insurance.
  • Your policy is totally flexible and will grow as your business does.

Compare builders insurance quotes from our panel

Get a quote

Got a special request? Call our specialist team to see what they can do for you

0344 346 0409
0344 346 0409

Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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Builders insurance from £98.74*

*New Business quote  based on sole trader with £2 million public liability cover, trading for 5 years or over.  Quote does not include tools cover and is correct as of 1 June 2017.

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What does a builders insurance policy cover?

Liability insurance for builders

Whether you’re building an extension, or simply knocking down a wall, we’ll ensure you have sufficient builders public liability insurance and products liability cover in place, with limits up to £10 million. As your business grows you may take on staff too – we can provide levels of employers’ liability insurance covering temporary, permanent and sub-contracted employees up to £10 million.

Builders tools insurance

With a flexible tools’ cover limit set by you, we can cover all types of equipment. We can also include employee’s tools, specialist equipment and hired equipment too. Tools must be locked securely outside business hours, and a single item limit may apply.

Specialist types of cover

Many insurers have trouble providing some of the more specialist types of cover such as JCT insurance (Joint Contracts Tribunal), non-negligence insurance and ‘contractors all risks’ (CAR) cover for your own plant, hired-in plant, and contract works cover, but our brokers can source policies which include many of these features combined as you need. We can even provide trade specific cover such as professional indemnity for PAT testing and conditioning reports (EICRs) depending on the nature of the work you do.

Get it sorted

You can build your own quote and buy insurance online via our website or alternatively, speak directly with an experienced adviser for a full requirement review and bespoke service at no extra cost. Do you need immediate cover? Or need paperwork to get on site or tender for a new contract? No problem, we can get you on cover immediately via the phone and email your policy documents the same day.

Builders Insurance Claims

If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Need to make a claim?

Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

0344 346 0409

Builders Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your builders insurance.


A Video Guide to Builders Insurance

Get to grips with the most important features of insurance for builders. Watch our quick video guide to learn about public and employers liability, as well as various optional...

View video
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insurance guide

A Guide to Public Liability Insurance

Public liability insurance could be the most important cover you have. Not only does it pay out for claims that could otherwise topple a successful business but in many cases not having it would put customers and partners off using your services. Our simple guide looks at the main features and pitfalls.

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Using Word-of-Mouth Marketing For Your Business

Word-of-mouth recommendations are still an effective way of driving customers to your business without the massive costs attached to other forms of marketing. This article will help you think through how to use word-of-mouth marketing and how to encourage more recommendations from your customers.

Builders Insurance FAQs

Are labour-only sub-contractors covered in the same way that direct PAYE staff are under the employer’s liability policy?

Yes. We can cover both types of employers for the same risks although it is very important to declare how your workforce are employed as this will affect how your risks are calculated.

Can you provide JCT insurance and can you cover my sub-contractors tools?

We know JCT is becoming more and more desired as part of a tradesman insurance even though it still remains relatively difficult to find amongst the various providers. We pride ourselves on not only being able to source this protection for those looking for it but also being able to accommodate any other types of cover you may need such as sub-contractors and employees’ tools cover. Speak with one of our advisers about your needs and how we might be able to help.

Why do I need builder-specific insurance?

All builders’ circumstances are different and therefore some general policies may contain inadequacies that could potentially leave your business uninsured in the event of a major loss. You can avoid this with an industry-specific policy from Towergate.

Why does a builder need public liability insurance?

Builders face many risks in their line of work. Unfortunately, no matter how well prepared you are, mistakes can happen – and a single slip could be disastrous for you and your business. Legal action, in respect of liability for personal injury or property damage arising from your activities is a real threat. Protect yourself, your clients, your equipment, and your business, with a flexible insurance policy specifically tailored to exactly match your requirements.

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

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