Construction insurance provides specialist cover for sole traders and businesses in the building and construction industry. Policies are available for over 100 different trades providing public liability cover for legal costs and any associated compensation payments should you, or one of your employees, cause property damage, or injury to a third party in connection with your business.
You can also extend construction packages to cover all of your specific requirements such as Employers' Liability Insurance, covering your legal liabilities for injury to employees or sub-contractors. Other popular extensions for construction insurance is contractors all risks, which protects your business against loss or damage to plant, tools or equipment.
While construction public liability insurance is not a legal requirement, you should regard it as essential for any manual trade. Without it, you will be personally liable for any third-party personal injury, death or property damage which may occur in the course of your work.
If you are providing advice or designs for clients as part of your professional service, your firm should consider a Professional Indemnity Insurance policy to cover you for claims of professional negligence. As an expert in your field, the law sees you as having a heightened duty of care to your clients, and if they are left feeling misled by your business, you could face a significant compensation claim. Professional Indemnity cover will protect your business from financial loss and reputational damage.
In circumstances where you sub-contract to a larger firm, it is highly likely that you will be asked to provide proof of public liability cover before the commencement of any work or when tendering for a job. If you already have cover in place, it makes the whole process much smoother.
A comprehensive all-risk insurance construction insurance policy can bring peace of mind while carrying out a construction project that you're ready for a compensation claim.
Whether you are a one-man-band, partnership or limited company, buying cover is a breeze! Please enter some quick details about your business, and our secure online system will compare quotes for construction insurance from up to 10 of the UK's leading liability insurers.
You can buy your policy online and receive your insurance certificate and policy documents in minutes – quick, simple and affordable!
01200 309 516
Specialist cover for the Construction Industry and 100+ contracting trades from Builders, Plumbers, Plasterers and Electricians to Cleaners & Roofers
Sole traders, Partnerships, Limited Companies
Cover for full-time employees, subcontractors and temporary employees
Public Liability (PL) Insurance up to £5m Indemnity limit (higher limits on request)
Professional Indemnity insurance
Optional Employers' Liability
Tools cover available including overnight theft from vehicles
Product Liability Insurance included as standard with Public Liability
Contractors all-risk insurance extension
Own or hired-in plant and materials
Cover available for high-risk trades, specialist jobs or high-risk sites
Specialist policies for height work with no height limit restrictions
Legal Expenses and Personal Accident extensions
We compare prices and cover from leading construction insurers
All-risk insurance policies from Public Liability to Professional Indemnity Insurance
Instant quotations - cover and policy documents in minutes
Flexible cover & monthly payments – only pay for the sections you need
Expert advice from liability insurance specialists
Personal – Digital servicing AND your own dedicated insurance professional
Without adequate construction insurance, you leave your business open to financial loss and reputational damage. While most insurance policies are elective, some are a legal requirement.
If you have any employees, you have a legal obligation to purchase Employers Liability insurance, or you can face a fine of up to £2,500 per day under the Employers Liability (Compulsory Insurance) Act 1969.
Prices start from as little as £50 (plus insurance premium tax), but the specific cost of cover depends on several rating factors to calculate the risk:
There is no universal answer to how much business insurance you need and the best advice is always to speak to a specialist broker about the work you carry out and the premises where you work. Think about the maximum property damage you could cause, as well as the risk to the public.
If you are sub-contracting to another firm, they will likely specify a minimum level of cover required. Typically, this will start from £2m for public liability insurance but can rise to £5m when working on larger projects or for the local authority.
Professional Indemnity cover, also sometimes known as Professional Liability, comes recommended for contractors but we are often asked why. Typically, Professional Indemnity is recommended for people who’s business involves offering some form of professional advice or design work, but can also include testing.
Even small extensions and construction work such as bathrooms and kitchens can involve elements of advice and/or design, all of which can lead to allegations of professional negligence if the client is not happy with the outcome.
Many people wonder, what is the distinction between a Public Liability claim and a Professional Indemnity claim.
While Public Liability claims concern injuries and/or damage to third party property, Professional Indemnity cover will apply in cases of financial loss due to faulty designs, unintentional copyright infringement or negligent advice.
Your Professional Indemnity cover will also respond to claims that are a result of work carried out by subcontractors and not directly by your firm. For example, you sub-contract an architect for designs for an extension but the plans turn out to be faulty part-way through a building project. The client is displeased and sue your company directly for professional negligence. Your PI insurance responds and covers the costs of rectifying the fault and the delays to the project.
Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX
t. 01200 309516
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