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Construction Insurance

We can provide specialist construction insurance.

  • Wide range of contracts and trades within the construction industry covered
  • Protection to cover the risks you face on an everyday basis
  • Access your quotes, policies and renewals in your online account
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Why choose construction insurance with Towergate?


Construction insurance for a range of trades

Our wide client base and experience spans most construction trades, so we understand the risks you face and the protection you need.


Specialist construction cover advisers

Our advisers can help with risk identification and assessment, so you can meet the insurance requirements of the contracts.


Dedicated construction claims service

Experts claim handlers to give you peace of mind.

Direct Debit

Pay for your construction insurance by Direct Debit

You can choose to split your payment into ten monthly instalments. Please read our dedicated page on Direct Debit.

About construction insurance


Construction insurance for any industry

We can provide cover across a range of different construction industries. Our policies are suitable for house and office builders, project managers, scaffolding and roofing contractors, joinery manufacturers and more. We have experience working with construction professionals across many different areas and our relationship with major insurers means we combine expertise with cost effective construction insurance.


Bespoke construction insurance to suit you

We search the market to find you a policy that offers key features including contractors’ public and employers’ liability, with options to include environmental liability, latent defects, bonds and design and construction professional indemnity. Our aim is to build you the perfect construction insurance policy to suit your needs.


The right cover for your construction business

In order to provide the most suitable construction insurance for your business we work to thoroughly understand your needs. Our service typically includes risk identification and assessment, contract reviews, and design, claims management and much more.

Direct Debit

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your construction insurance. Through our preferred provider, Premium Credit Limited (PCL), you have the option of setting up a Direct Debit to pay your premium in ten monthly instalments.

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 0344 892 1384 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Construction insurance FAQs

Trades and construction insurance is an insurance policy that protects businesses in the trade and construction industry by providing them with a range of cover. Most trades and construction insurance encompass a few different aspects and levels of cover depending on the business’s individual needs.

Although it is not a legal requirement, it is considered vital for many trade and construction associations for tradesman and construction workers to have insurance. With lifting heavy tools and materials, working up high on scaffolding, operating heavy machinery or knocking down walls, there are a lot of things that can go wrong. If they do, it is important that you have the cover in place to help you in these situations. This cover comes in the form of trade and construction insurance.

Some general policies could contain inadequacies that would leave your construction and property development business uninsured in the event of a major loss. Therefore, you may wish to protect your company with a construction industry specific policy.

Trade and construction insurance can cover:

  • Your equipment - whether that is equipment you own or equipment you have hired. You can also add on cover to protect your tools when they are left in your car/van overnight,
  • Your ongoing work - provides cover for an event that prevents you from completing a contract,
  • Personal accident cover for yourself as well as public liability cover - if a member of the public gets injured, suffers a loss or their property gets damaged due to negligence,
  • Employers’ liability - this protects you and your employees should any of you become injured while working. It is a legal requirement for all businesses with staff,
  • Efficacy cover – if you install or provide a product that doesn’t successfully do the job that it is meant to do.

As briefly mentioned above some associations and contractors require proof of insurance before they will commission you for a project so you may find that your lack of insurance will prevent you from securing some of the jobs you tender for.

Additionally, if you were to find yourself in a situation where someone makes a claim against you then you would be personally liable to settle any pay-out. Depending on the claim, this could potentially leave you in financial difficulty which could be very distressing for both you and your family.

Our wide client base spans most trades within construction, property development and civil engineering. We have long standing relationships with major insurers meaning we have an extensive knowledge of the risks faced in the building sector. We will work hard to find you a policy that suits your individual needs. For more information give one of our specialist advisors a call.

Yes, both types of employees are covered under an employers’ liability policy. Cover can be arranged on a per capita basis or for larger SMEs on a wages and turnover basis. It’s important you tell us about your direct employees, as well as labour only subcontractors you engage.

It is an important factor and we only use insurers with A-ratings as determined by companies such as Standard & Poor’s, A M Best, Moody’s or Fitch Ratings. It is a globally recognised measure of an insurer’s financial situation and provides confidence on their ability to meet on-going policy obligations.

Also, there are a number of main contractors that will not subcontract works to any companies not insured with a minimum of an A- financial rating By not having a policy backed by a financially secure insurer could potentially place restrictions on your business, and the main contractors or contracts you take on.

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.

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

Read more FAQs

Construction insurance articles and guides

Securing Your Van and Tools - Keeping on Top of Van Security

Whether you work for a small business or you’re a sole trader, we know that keeping your van and its contents safe from criminals is a year-round concern.

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Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

Read more

Making Tax Digital for Businesses

Making Tax Digital (MTD) will affect all businesses and is a key element of the government’s plans to make it easier for businesses and individuals.

Read more

Covering Contractors Under Employers' Liability Insurance

As an employer you will need employers’ liability insurance. Read how to ensure your policy covers all workers that require it.

Read more