Building Contractors Insurance

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Building Contractors Insurance

What Is Building Contractors Insurance?

This policy protects all types of building work, including: housing, hotels and commercial property, along with smaller domestic projects that keep your customers coming back for more. We can source cover for all kinds of requirements – such as Public Liability, Professional Indemnity and Legal Expenses – ensuring you have peace of mind knowing your business is protected, and you can build upon it without worry. 

Covering you against Employers Liability, and providing replacements for tools and equipment should they be lost, damaged or stolen, the policies we research really do offer the best in protection. As claims can be daunting, we make the insurance process hassle-free. A Feefo platinum awarded company with glowing testimonials, we’ll help you find the best policy for you.

Please fill in our quote form, or request a call back, and we’ll build your perfect policy in no time at all.

What may a building contractors insurance policy include?

Commercial Combined Insurance awards

Equipment Insurance

A key part of your operations, your tools, plant and equipment must be protected from loss, theft or damage. With equipment insurance, we can source cover them all.

Commercial Combined Insurance awards

Professional Indemnity Insurance

Should a client claim bad guidance was given, or bad design was carried out, then we can find cover from £50,000 to £10m for damages.


Commercial Combined Insurance awards

Public Liability Insurance

Should your work accidentally damage a client’s property, belongings or cause harm, then this policy will cover your business, and any compensation sought.

Commercial Combined Insurance awards

Employers Liability Insurance

You may do your utmost to protect your staff, but accidents happen, and you could be held liable. With £10m cover however, your team is kept safe, and your business protected.

How does insurance for building contractors work?

Comprehensive cover for those in the building trade

Working as a professional within the construction industry entails a certain number of risks which is why it’s important to have the right business insurance in place to protect your livelihood. The range of construction contractors insurance packages we source for you have the cover you need to be confident that, should the worst happen, your business is safe and you are protected. 

At The Insurance Octopus, we source business insurance policies that are designed to be flexible, providing you the opportunity to put together a bespoke construction contractors insurance policy exactly how you need it, ensuring all the essential cover you’ll need in one business insurance policy. 

As everyone needs slightly different business insurance based on his or her specific work, we have a selection of UK insurers providing the widest choice of commercial insurance. 

What your Building Contractors Insurance Policy includes?

Professional Indemnity Cover

Professional Indemnity insurance will protect you and/or your business against any financial or trading loss that may be caused as a result of bad advice or a mistake made in work. Professional Indemnity cover limits are available from £50,000 to £10m. 

Employers Liability Insurance Cover

Employers Liability insurance is required by law if you have one or more employees. Employers Liability cover is standard at £10m and will protect you as the employer against claims from your staff should they be hurt when working for you.

Building Contractors Public Liability Cover

Public Liability cover protects you if a customer or a member of the public is injured, or their property is damaged. Public Liability insurance protects you against the cost of repairs or any legal proceedings that could be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request and subject to insurer’s terms and conditions. 

Legal Expenses Insurance

Legal Expenses insurance can help cover the costs of defending a claim in the event that someone takes legal action against you.

Tools and Business Equipment Cover

Tools Cover helps you as a handyman and protects your equipment. Tools are expensive investments that need to be safe-guarded should they ever be stolen or damaged. Replacing or repairing your trade equipment can be costly, so you do need to be covered for all eventualities. Tool Insurance can provide comprehensive cover so that you can replace any damaged, lost or stolen items and keep your business running. 

Associated Claims Costs

Associated Claims Costs can cover you if a claim needs to be investigated further or there is a need to bring in expert witnesses in a court hearing. It also helps to cover additional costs associated with a claim that you would not normally have to pay.

Add on covers

Business Interruption, Personal Accident, Offshore Working and more are all additional add-ons that can be increased or decreased as required. By having flexibility with your Professional Indemnity business insurance policy through The Insurance Octopus, you can make sure your insurance is exactly what you will need. 

Why you need Building Contractors Insurance? 

Taking out the correct Building Contractors insurance will ensure you are covered for all of the risks associated with your line of work. As a general building contractor or prime contractor you will ultimately be responsible for the day-to-day running of a construction site and project. Your work and any advice, designs or service you provide to your clients could leave you open to legal disputes if mistakes occur. Even if you haven’t made a mistake, the costs alone of defending a claim can be astronomical, so having the right cover in place can help protect you financially.

Professional Indemnity Insurance could provide necessary cover for contractors offering advice to clients

Building trade insurance specialists

We find cover for a variety of trades and occupations, and are specialists in sourcing Professional Indemnity insurance, ensuring you get a bespoke policy that ensures you only pay for the cover you need. We have the ability to research additional cover for your business equipment at home, in the office or in transit and can source options for covering you in sector specific situations as required. 

Spread the cost of cover

We can provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit. Speak to us today for more information and to get a quote.

Why choose The Insurance Octopus?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, that’s why we source cover that offers up to £5 million worth of public liability cover.  With more available upon request.

Simple specific cover

We’ll connect you with an agent who understands many of the challenges you face and can truly get to grips with the type of cover you need.

A team that knows your industry

We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

How it works?

Examples of Building Contractors Insurance in action

Holding up the project

A professional construction site manager was overseeing a major building project. Unfortunately, when it came to completing the roof on the building, a few mistakes had slipped into his planning and the contractors were not available. This meant that the completion date of the project slipped by several weeks leading to the construction firm suffering cost penalties. The Professional Indemnity Insurance that the manager had in place meant he was able to cover the costs of the resulting legal action and continue his consulting career.

Types of professionals we can source cover for

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