What's the difference between public liability and contract works insurance?

Public liability covers your legal liability for injury and damage to third parties. Contract works (also called contractors all risks) covers the building itself during construction – your work in progress – against fire, theft, storm, etc.

Do I need insurance for my subcontractors?

You should ensure subcontractors have their own insurance, but you may still be liable for their work. Your policy should cover subcontractor activities, and you should obtain evidence of their insurance before they start.

What public liability limit do I need?

Most domestic work requires £2m-£5m. Commercial contracts often require £5m-£10m. Some main contractors require £10m or more. We

Does the policy cover work at height?

Yes, but there may be height restrictions (commonly 10m or 15m). Work above these heights, or involving scaffolding over certain heights, may need to be specifically agreed with insurers.

What about design and build contracts?

If you take on design responsibility, you need professional indemnity insurance. This covers claims arising from design errors or failures. It

Builders Insurance

Builders insurance including public liability, employers liability, tools cover, and contract works insurance. Arranged for sole traders and building contractors by FCA-regulated brokers.

What Does Builders Insurance Cover?

A builders insurance package typically includes public liability insurance (covering third-party injury and property damage), employers liability (required by law if you employ staff), tools and plant cover, and contract works insurance (covering work in progress against damage or theft). Cover is subject to underwriting, insurer terms and acceptance.

Who Is Builders Insurance For?

We arrange builders insurance for sole traders, small building firms, and larger building contractors. Whether you carry out general building work, groundworks, extensions, or new builds, we can find cover appropriate to your trade and risk profile.

How to Get a Builders Insurance Quote

We do not provide instant online quotes. Call us on 01733 263311 or request a call-back and one of our specialist brokers will discuss your requirements and approach the market on your behalf.

Frequently Asked Questions

Is public liability insurance compulsory for builders?

Public liability insurance is not legally required for builders, but it is strongly recommended and often required by clients and principal contractors before work begins. Employers liability insurance is a legal requirement if you employ staff.

What is contract works insurance?

Contract works insurance (also known as contractors all risks) covers work in progress against damage, theft, or destruction. It protects the value of the work you have completed up to the point of an insured event.

Can I get builders insurance as a sole trader?

Yes. We arrange builders insurance for sole traders as well as limited companies and partnerships. Cover is tailored to your specific trade, turnover, and risk profile.

Cover is subject to underwriting, insurer terms and acceptance. Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 717691).