Builders Insurance

Here at the Lifesure Group we recognise that builders insurance can often seem complex.

Being mindful of this we have a builders insurance online quotation form that aims to make things as easy and quick as possible.

Builders Insurance Cover is available for:

• Public Liability up to a limit of £5 million.
• Employers Liability at a limit of £10 million.
• Tools and business equipment (optional)
• Contract works, tools, own a and hired in plant (optional)
• Personal accident (optional)
• Commercial legal expenses (optional)

The basic builders insurance cover you will need is Builders Public Liability Insurance and Builders Employers Liability Insurance if you have anyone working for you.

Why do you need Builders public liability insurance?

As a builder you will be well aware of the hazards associated with any building site, be it a new construction or renovation and refurbishment. However careful you might be there is always the possibility of incidence, Accidents happen. If a member of the public suffers injury as a result of activity that is taking place on your site, or has taken place, you could be on the wrong end of a claim and find yourself with costly legal bills when defending yourself.

Likewise, if property is damaged, legal costs or compensation could cripple your business, so it is an extremely wise decision to ensure you are covered by builders public liability insurance. We are able to provide immediate builders insurance quotes cover of £1 million, £2 million  or £5 million. This may sound like an excessive amount of cover but just take a few minutes to consider the cost of a personal injury claim made against you especially if someone was badly injured.

When do you need Builders Employers Liability insurance?

Well, should you have someone who is working for you be it an employee or even a subcontractor who is not your direct employee but is acting on your instruction, you are legally required to have this insurance. Please click here to see is legally considered your employee. The list may be longer than you realise!

In addition to Builders Public Liability and Builders Employers Liability Insurance you can include within your Builders Insurance policy cover for tools, hired in plant, and your own plant.

Obviously tools are essential to your work and without them you may be unable to proceed, therefore losing income. Insuring them will enable replacement if they are lost, stolen or damaged. However, always check the terms and conditions of your builders insurance policy as inevitably there will be exclusions such as tools not being covered if left in your van overnight.

Contract Works can be added to your builders insurance and this would cover your build project against theft or damage occurring.

Additionally Personal Accident cover can be included to your builders insurance package, as well as Legal Cover, should this ever be required.