Builders’ public liability insurance is essential. Why? Because it protects against claims of injury or property damage caused by your work. Say a client, visitor, or third party is injured on-site, or if your construction activities result in property damage. Builders’ liability insurance steps in to cover legal fees and compensation costs. 

When you consider even minor accidents can lead to costly claims, builders’ public liability insurance is key. Note: many clients require proof of this insurance before allowing work to commence on their property.  

Employers' liability insurance: If you employ staff, even temporarily, then it’s a legal requirement in the UK to purchase employers’ liability insurance. This coverage protects your company against claims if an employee either gets injured or becomes ill when at work. Whether it is an employee slipping over or long-term health issues caused by construction activities, any legal costs and compensation are covered by this policy.  

Equipment insurance: Your work relies heavily on tools and machinery. Due to this, it’s highly recommended to include equipment coverage as part of your builders’ risk insurance. This policy protects against the theft, loss, and damage to essential equipment – whether it’s located on-site, in storage, or in transit. Without equipment insurance, replacing stolen or damaged tools can be costly in more ways than one when factoring in project delays it can cause.  

Contract works insurance: Contract works insurance is used to cover damage for ongoing construction projects. If part of a project is destroyed or damaged before completion, this policy funds the rebuilding or repair work. It’s particularly useful for large or long-term work, as it helps safeguard against unexpected financial risks.