Contractors Insurance

What is Builders/Contractors Insurance?

Building is a business that leaves no doubt about the need for insurance. It’s hazardous at times and uses truckloads of expensive materials and equipment. It’s also vulnerable to the weather and other factors beyond anyone’s control. Talk to our expert business insurance team at Bollington and they’ll risk assess your business and put together a bespoke package with all the builder’s cover you really need. All topped off with easy payment options and an affordable quote that won’t send your costs through the roof.

Expertly building your bespoke policy

For anyone in the construction industry, public liability insurance is a major ‘must have’, even though it is not a legal obligation. You are unlikely to win a big contract without showing your PL cover. Cover for your tools, equipment and vehicles is also crucial, as is protection for the plant you use, whether it’s your own or hired. Personal accident insurance is particularly advisable because of the inherent risks of building work. And you are likely to need employers’ liability cover – it’s obligatory in many cases, even if you employ just a single member of staff or carry out work with contractors.

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What your builder insurance cover can include:

  • Public liability
  • Contract works
  • Employers’ liability
  • Hired in plant
  • Tools & equipment.
  • Own plant
  • Vehicle cover – or fleet cover if you run three or more vehicles
  • Directors and Officers policies can be provided for those operating limited companies. This is important to help protect against claims made against you personally as a director or senior manager of the business.
  • Contractor’s all risks cover
  • Personal accident insurance – particularly important because of the inherent risks of building work
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If you're interested in speaking to one of our advisers, please do not hesitate to get in touch via our contact form.