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Focus Insurance Services
Builders
Specialist Trade Insurance

Insurance for Builders

Comprehensive insurance for building contractors and construction professionals. From extensions and renovations to new builds, we arrange cover that protects against the significant risks of construction work.

Get a Quote01733 263311

Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf from a panel of insurers. Policy terms, conditions, and exclusions apply.

Insurance Solutions for Builders

We arrange a range of insurance products tailored to the specific needs of your trade.

Public Liability Insurance

Essential cover for injury and property damage claims arising from your building work.

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Employers' Liability

Legally required cover for employee injuries on construction sites.

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Contract Works Insurance

Protection for buildings under construction against fire, theft, storm, and other perils.

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Professional Indemnity

Cover for design work, project management, and professional advice errors.

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Tools & Plant Cover

Protection for tools, equipment, scaffolding, and plant against theft and damage.

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Commercial Vehicle Insurance

Cover for your vehicles, including tippers, flatbeds, and crew vans.

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Understanding Your Risks

Every trade has unique exposures. Here are the key risks we help builders protect against.

1

Site Accidents & Injuries

Construction sites are high-risk environments. Falls, struck-by incidents, and equipment accidents are common claims.

2

Property Damage

Accidental damage to existing structures, neighbouring properties, and underground services during construction.

3

Fire & Storm Damage

Buildings under construction are vulnerable to fire, storm, and flood damage before completion.

4

Theft from Sites

Materials, tools, and plant are frequently stolen from construction sites, especially overnight.

5

Structural Defects

Defective work discovered after completion can result in significant remedial costs and claims.

6

Subcontractor Issues

Liability for work done by subcontractors and ensuring they have appropriate insurance.

Why Choose Specialist Trade Insurance?

Generic business insurance often leaves gaps in cover for trade-specific risks. Specialist policies are designed with your profession in mind.

  • Contract works cover for buildings under construction
  • High public liability limits for construction risks
  • Cover for work at height and excavation
  • Protection for JCT and other standard contracts
  • Hired-in plant and equipment cover
  • Cover for subcontractor management

Information for Your Quote

  • 1
    Business name and trading address
  • 2
    Number of direct employees
  • 3
    Annual turnover and labour-only subcontractor costs
  • 4
    Types of work undertaken (residential/commercial)
  • 5
    Maximum contract value and depth of excavation
  • 6
    Whether you use scaffolding or work at height
  • 7
    Claims history for the past 5 years
  • 8
    Details of any specialist work (demolition, asbestos, etc.)
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Frequently Asked Questions

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'll advise based on your typical contract requirements.
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's increasingly common for builders to need this cover.

Insurance for Other Trades

ElectriciansPlumbersRoofersCarpentersGroundworkersGeneral Contractors

Ready to Protect Your Business?

Get in touch with our team for a no-obligation quote tailored to your trade.

Request a Call-Back01733 263311

Monday – Friday, 9:00am – 5:00pm