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Insurance for builders

Builders and building business owners are faced with a number of risks as a result of their line of work. Insurance provides protection against these risks and provides your business with the help you need when disaster strikes.

We offer builders a range of insurance packages from public liability to stock & tools insurance and allow them to choose a product that is right for them and their business. Our relationships with insurers allow us to provide our clients with competitive quotes for comprehensive policies.

Explore the benefits of builders insurance with Smart Sure:

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Explore the benefits of our builders cover and receive a quote today

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What types of insurance do builders need?

Public liability insurance

Public liability insurance is designed to protect you and your business against injury or property damage claims brought against you by members of the public. If you or a member of your team injure a non-employee or damage their property, you could be held liable and be ordered to pay compensation by a court.

Public liability insurance protects you against the legal fees and obligation to pay for damage or injury that was caused.

Explore the benefits of our cover and receive a quote today

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Tools & stock insurance

Tools insurance covers builders and building business owners against theft and damage to the tools that they need to carry out their business activities. Depending on the policy you choose, your business will be protected against tools and equipment that are stolen or damaged even if they are left in a vehicle unattended.

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Employers’ liability insurance

Employers’ liability insurance protects businesses against legal claims from their own employees. If an employee sustains an injury within your business premises or while carrying out their business duties, your business could be held liable.

Small building businesses could be potentially wiped out by legal claims from a employees which is why employers’ liability insurance was made compulsory in 1969. As an essential cover, you need to ensure you receive a competitive price and comprehensive cover; this is where we can help you.

Explore the benefits of our cover and receive a quote today

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Frequently asked questions

Employers’ liability insurance is the only insurance that is required by law – although this does not apply to builders operating independently as they do not have any employees. Despite this, insurance products such as public liability are considered essential by many business owners as they provide protection against potentially devastating risks.
Insurance products such as public liability often charge an excess of around £200 although it depends on the policy. Our team compare quotes form our panel of insurers so that you can choose a policy that suits your needs and the needs of your business.
Both builders and building companies are eligible for public liability insurance as there is a risk that a member of the public may claim against you or your business for injury, illness or damage to their property.
Public liability insurance is not a legal requirement in the UK but it is an important and useful cover especially for builders and building companies due to the extent that they interact with members of the public on a day-to-day basis.
We offer a choice of policies, each covering a different level of risk. If you wish to cover your tools left in a vehicle or on-site overnight, you can choose the appropriate cover level. For more information, please contact a member of our team.
If your building business has employees, you are legally required to have employers’ liability. If you do not have an employers’ liability policy, you may be fined up to £2,500 for every uninsured day.

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