About Builders Merchant Insurance


Tailored builders merchant cover

We'll find the right policy for you from a range of insurer partners to give you peace of mind when you lock up at night.


Cover for cash kept on premises

If you have cash kept on the premises, we can offer cover for its loss from theft or other insurable reasons like fires or floods.


Claims assistance for builders merchants

We offer expert advice to make the process easy if you need to make a claim.

Direct Debit

Direct Debit payment available for your builders merchant insurance

Help ease your cashflow by spreading the annual premium over a period of up to 10 months. See our Direct Debit page.

Features of Builders Merchants Insurance

Standard cover

Public liability insurance for builder merchants

There are many risks associated with members of the public visiting a builders merchants site that could lead to them being injured or their property being damaged. Public liability cover can protect you against the costs of a legal claim resulting from these unforeseen circumstances (for example, if a customer tripped over stock and injured themselves).

Builders merchants employers liability cover

If you employ a team, or use subcontractors, you will by law need to take out employers' liability insurance, to 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.

Buildings, contents and stock protection for builders merchants

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 your stock being kept in the open.

Product liability insurance

If products you have sold subsequently fail and cause third-party damage or injury, our product liability cover for builders merchants can cover the costs of a case and successful claim.

Builders Merchant Insurance FAQs


What is builders merchant insurance?


A builders merchant insurance package policy is specifically tailored for the needs of your business. The main elements that it should cover are your contents and stock, business interruption, money, combined liability cover for employers, product and public liability, and premises.


What is ‘Seasonal Increase of Stock’ insurance?


This is for businesses whose stock values fluctuate at different times of the year. 

The policy will normally include a 25 to 30% seasonal increase in stock over Easter, bank holidays and 30 days prior to Christmas. We can tailor the months to meet your needs.

This cover allows your ‘sums insured’ to be increased by an agreed percentage for your busy times of the year, helping to keep your costs down. Make sure you let our team know if you'd like to add this cover.


I sell stock online, can this be insured too?


We can provide cover for stock sold online and any exports you make to outside of the UK. It is very important that you let the team know when running through your details to ensure they provide you with the correct policy for your needs. In addition to products liability, you will also need to consider if goods in transit insurance is needed for deliveries.


Can I pay for my builders merchant insurance 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.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.


Are there any exclusions, warranties or conditions?


We have provided a summary of the key features of the policy above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process, as warranties, conditions and exclusions will apply.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on the number in your policy document and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim