What is builders insurance?
When working from the ground up, there are plenty of hazards that may present themselves along the way, that could result in claims and compensation. You may be an expert in health and safety practices, but sometimes, even the best intentions fall short. Employees can fall off ladders and hurt themselves. Bricks can fall on people and vehicles, damaging them. Electrical work can go haywire. Whether you build houses, commercial property or extensions, we can help cover your business with personalised policies that meet your specific requirements. With professional guidance from a Feefo platinum-award firm, and access to some of the best insurers out there, you get the policy that protects you should the unexpected happen, so that no matter what, you’re always protected.
Finding a builders insurance quote is simple.Just fill in our quote form, or ask for a call back, and we’ll speak at a time that suits you, and take you through our range of options.
What insurance should a builder have?
Goods in Transit Cover
Protecting your building materials and any related contents that assist in project creation, you’ll have replacements in no time, and no time to waste in hold ups or delays.
Plant and Tools Insurance
Damaged equipment and broken tools can make business operations difficult, so with this policy, we can protect them all.
Public Liability Insurance
Should a member of the public, customer or site visitor get injured, or have damage done to their property, you are covered for up to £5m worth of damages, with higher levels available upon request.
Employers’ Liability insurance
Keeping your staff safe should be a number one priority, so if they hurt or injure themselves while working, or fall seriously ill, we can cover you up to £10m worth of damages.
Why you need builders insurance
There are many risks associated with being in a trade specific occupation, and there are areas of risk that you may need to consider when looking for business insurance. It’s important to make sure that your insurance covers everything it needs to.
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need whilst working including liabilities and full tool and equipment cover, plus additional covers as needed. We will endeavour to help you tailor your business insurance policy to the specific needs of your business in all instances.
Bricklayers Insurance FAQs
How can I add additional protection for my tools?
We can tailor any insurance we offer to fit with the specific needs of any customer. If you wish to add in cover for your tools, you need to speak to one of our friendly team over the phone and discuss your needs with them. You will be able to run through your concerns, and we will be able to find the perfect cover to make sure your tools are included in your bricklayers’ insurance.
Do bricklayers need personal accident cover?
The short answer is no, but it is highly advisable to take it out. A bricklayer is exposed to various risks, and an accident or injury could leave you unable to work either temporarily or permanently. In the event of something like this happening, personal accident cover could provide you with the lifeline you need to maintain an income while you recuperate, or while you look for a new line of work.
Why does a bricklayer need insurance?
In any trade, there is a risk that your work (and things associated with it) could cause damage or harm to property or people. When this happens, and you are liable for the cost of the damage, having insurance that covers you will prevent you incurring substantial costs that could cause catastrophic damage to your business or personal finances. Having cover is the safest option for you.
Your policy will be tailored to your exact
requirements; giving you all the cover need
Building your trust in insurance
Your tradesman insurance from The Insurance Octopus will include fundamental elements of insurance that a tradesman will need whilst working including public liability insurance, employers liability cover, tool and equipment cover, personal accident insurance and where requested also contractors all risk cover. Get in touch with us today to find out more about how we can help.
Experts in building cover
One of our tradesman insurance experts will discuss your business requirements with you and look to compare quotes from major UK insurance providers, ensuring you get a bespoke policy where you only pay for the cover you need. We can often 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.
Why choose The Insurance Octopus for Builders Insurance?
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 offer up to £5 million worth of public liability cover for Tradesmen – with more available upon request.
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.
An expert who 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 Builders Insurance works
Examples of Builders Insurance in action
Mother Nature Causes £40,000 Claim
A roofing contractor was hired to replace the roofing on a public building for a more efficient and updated roof. Two weeks into the job, there was a bad storm overnight and the roof wasn’t equipped to withstand its severity. Consequently, all the materials and work that had been put into the roof at that time were completely destroyed. As a tradesman in the building trade, the roofing contractor had taken out contract works insurance, and a good job too – the cost to replace the work that was lost exceeded £40,000.
Other types of Tradesmen Insurance we can provide
Get Business Insurance off your to do list
Help protect and grow your business with tailor made business insurance from The Insurance Octopus
Insurance Know How Making business insurance easier to understand
The ultimate small business checklist to help protect against cyber threats
Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However...
The top 10 Cyber Insurance claim types
Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend...
How much does cyber insurance cost?
Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ...
Get to grips with Under-insurance & The Insurance Act
Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u...
Business Insurance Blog For all the things business & insurance
The Insurance Octopus has been shortlisted for the British Insurance Awards 2021!
The Insurance Octopus has been announced as a finalist in the Commercial Li...
Your Guide To Starting Your Own Small Business
Starting a new business can be one of the most exhilarating, yet daunting, ...
Is your business insured in the event of a cyber incident?
You may think you’re not likely to be affected by a cyber breach or attac...