Building Contractors Insurance

Flexible cover tailor made to the needs of building contractors

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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. Our range of construction contractor’s insurance packages can provide you with the cover you need to be confident that, should the worst happen, your business is safe and you are protected.

At The Insurance Octopus, our personalised business insurance policies are designed to be flexible, allowing you to be able to put together a bespoke construction contractor’s 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 PI insurance.



What your building contractors insurance policy includes



Professional Indemnity cover for building contractors
Professional Indemnity insurance, or PI 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 from £50,000 to £10m.

Employers Liability insurance cover
Employers Liability insurance cover is required by law if you have one or more employees. Employers Liability cover, is standard £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 customers 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 insurers 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 tools. 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 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 from 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 construction 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 experts

We cover a variety of trades and occupations, and are experts in providing Professional Indemnity Insurance, ensuring you get a bespoke policy that ensures you only pay for the cover you need. We have the ability to arrange additional cover for your business equipment at home, in the office or in transit and provide 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 us for your building contractors insurance?

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

Up to £5 million of cover

We can't stop accidents from happening but our Professional Indemnity insurance will give you up to £5m worth of cover - with up £5 million worth of public liability insurance cover also included.

Fast specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

Specialists who understand your profession

Connecting you with expert agents in your field. They understand many of the challenges you face, & can tailor a policy to your needs.

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.

Octopus customer rewards

We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.

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.

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Customer satisfaction rating

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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 cover

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