Competitive Construction Site Insurance
Looking for cheaper building site insurance? Let us compare our markets to find the construction site insurance right for you. To find out more, call us today on 01482 434343 or request a callback and let our award-winning team help you get the cover you need.
Construction Site Insurance, Backed By ‘Exceptional’ Service
Looking for cheaper building site insurance? Let us compare our markets to find the construction site insurance right for you. As one of the UK’s leading construction insurance specialists, we can help you protect your materials, tools, equipment and cover your liabilities on a single policy. To find out more, call us today on 01482 434343 or request a callback and let our award-winning team help you get the cover you need.
Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 966 6037 and let our award-winning team help you.
Why choose Coversure for your Site Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of construction insurance experience, you can rest assured you’re in safe hands. As an independent broker, we’re not tied to any one insurer, and we’ll compare the market to find you great cover for a price. To find out more, call us free on 01482 434343 or start your building site insurance quote today.
Construction Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of construction insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.
What is Construction Site Insurance?
What is Construction Site Insurance?
Construction site insurance, or building site insurance, provides the owners of construction sites with a range of important covers on one policy. A flexible policy, it can insure everything you’d expect to find on a building site such as materials, property under development, tools and machinery, as well as providing protection against liability claims.
What does Construction Insurance cover?
Construction site insurance from Coversure can be tailored to your needs. In its most basic form, it will give you the public liability insurance and professional indemnity insurance that construction firms need. Most people and construction firms take out a mix of covers to fit their needs. The most common ones are shown opposite, but if you have something specific in mind, then please call us on 01482 434343 or request a callback.
Public liability insurance – so if you are responsible for causing injury or damaging the property of a member of the public and they sue you, you’ll be glad you have public liability insurance in place. It will help with the costs of mounting a defence and paying any compensation
Employers’ liability insurance – or EL insurance, protects employers from compensation claims from their employees should they be sued for loss or injury at work. If you have people working for your construction business, be they full-time, part-time, or contracted or sub-contracted, then having employers’ liability insurance cover is a legal requirement. Failure to have a policy in place can lead to a £2,500 fine for each day you are without it.
Professional indemnity insurance – if you give your clients advice – even simple stuff like which products or which materials to use on the job – then you should include professional indemnity insurance as part of your construction cover. Why? If the advice you’ve given them costs them money or someone is injured because of that advice, then you can be held financially liable
Product liability insurance – if you recommend or supply a product and it fails, even if you didn’t manufacture it, then you can be sued for damages. Working in construction means recommending and using products all the time, so you and your business run a constant risk of legal action is something goes wrong with a product
Tools insurance – including for tools left in vehicles overnight
Materials cover – including for materials being stored off-site by your client
Contractors all-risks insurance – known in the trade as C.A.R. insurance, this can cover all the risks you or your construction firm faces on one policy. From materials and projects in progress to public liability and employers’ liability cover, it gives you complete peace of mind
Contract works insurance – contract works insurance – also called contractors all risks (CAR insurance) cover or JCT Option C – protects you against risks like fire, theft, vandalism, and accidental damage to materials, ensuring your projects are safeguarded from unexpected setbacks
Plant and hired-in plant insurance – also known as construction plant insurance or construction fleet insurance, plant insurance will cover your cranes – be they owned or hired – from loss, accidental damage, and ongoing hire charges for a fixed period. There’s been a sharp rise in the number of construction plant thefts in recent years and this is now a £1bn problem for the industry
Personal injury insurance – construction sites can be hazardous places and if someone is injured on your site then you could be left facing a hefty compensation claim. According to the latest Health & Safety Executive’s (HSE) latest report, there were 69,000 workers off work-related ill health, 45 fatal injuries, and 53,000 non-fatal injuries in 2022/233. Injuries and claims are on the rise in the UK, so this is an important cover to have in place
What can Construction Site Insurance Cover?
Construction site insurance through Coversure can offer a wide range of policy options, including:
Public liability insurance
Employers’ liability insurance
Professional indemnity insurance
Product liability insurance
Tools insurance
Contract works insurance
Plant and hired plant insurance
Personal injury insurance
Call us today on 0800 977 6037 and let our award-winning team help you
Who Needs Construction Site Insurance?
Anyone who owns or runs a building site can benefit from construction site insurance, including:
Builders
Including builders and building firms.
Construction firms
From main contractors to sub-contractors, including those working on large-scale projects such as office buildings and blocks of flats.
civil engineering firms
As it can cover everything from hired-in plant to materials and employers’ liability insurance, it’s ideal for major civil engineering projects.
homeowners
Construction site insurance can protect you whether you’re having an extension put on to an existing property, renovating your home, or doing a new build.
property developers
For residential, commercial, and mixed-use property developments.
How much does
Construction Site Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your construction site insurance quote will depend on things such as…
The level of cover you require – so the policy limits on things like your public liability insurance
Which policy elements you’d like to include – if you have employees you’ll need employers’ liability insurance, for example
The site’s security and what’s left on site in the evenings and weekends
The value of your equipment
Your claims history
The size of your business
The type and size of clients you work for – doing building work for homeowners will be seen as less risky than working on multi-million-pound commercial projects
Whether you want to pay monthly or annually – annually will usually prove cheaper
Where is your equipment stored at night
The duration of the work – the longer the project, the greater the chance of a claim
The ages, skills and qualifications of your team
How to get cheaper Building Site Insurance
There are several easy ways to potentially get cheaper builing site insurance quotes, including:
Shop around – like any other insurance policy, it can pay to shop around. Better still get an independent plant insurance broker such as us to do the shopping around for you
Use an independent insurance broker – construction insurance quotes can involve multiple complex risks with policies containing exemptions and limits that may not be obvious to the layman. By getting some advice from an independent broker that specialises in construction insurance such as us, you can be sure of getting the cover you need
Increase your excess – your excess is the amount you pay in the event of a claim. We’ve seen quotes come down by as much as 10% by increasing the excess
Pay annually – while it’s convenient to pay monthly it will cost you more
Undertake a risk assessment with your broker – a documented risk assessment can help bring your quotes down
Store as much as you can off-site at night and at the weekends – driving things like plant vehicles back to your yard or to some other secure off-site location will make your site less attractive to thieves and vandals
If you own plant equipment register it with the CESAR
Store tools, materials and equipment securely and if left on site fit CCTV and tracking devices on vehicles
How much does Construction Site Insurance cost?
At Coversure, we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your building site insurance quote will depend on things such as…
The level of cover you require/the policy limits
The site’s security and what’s left on site in the evenings and weekends
Which policy elements you’d like to include
The size of your business
Your claims history
The duration of the work – the longer the project, the greater the chance of a claim
The type and size of clients you work for
Whether you want to pay monthly or annually – annually will usually prove cheaper
The ages and skills of your team
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
Construction and building site insurance are complicated areas of cover and you’re likely to have questions about it. To help you get the answers and the protection you need, here are our construction site insurance frequently asked questions. We hope they’ll be of use, but if you’d like some personalised, independent help, please get in touch with us on 01482 434343 or request a callback. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Construction insurance offers construction industry professionals and construction businesses the contractual, liability, and professional indemnity protection they need. Construction insurance is a flexible policy that can be tailored to cover to your/your business’s needs
Anyone or any firm working in construction or related industries can benefit from having construction insurance in place. This includes builders, plumbers, electricians, builders’ merchants, supply firms, building contractors, construction firms, contractors and property developers to name but a few
No, it can cover everyone from independent tradesmen to suppliers to the construction industry
There are lots of covers on offer, the most common ones being employers’ liability, public liability, contractors’ all-risks, materials, tools, professional indemnity insurance, contract works, plant insurance, the list goes on and on… If you’d like some personalised, independent advice as to what construction insurance can cover, please contact us on 01482 434343 or request a callback.
No, but if you have employees, then you will need employers’ liability insurance
Yes. The amount of cover varies from insurer to insurer, but a typical policy limit is around £15,000 for materials, and it can cover things like ongoing charges for hired-in plant
Yes, it’s included under the public liability and employers’ liability sections of the policy
Yes, it can cover stock and materials stored off-site so long as this is noted in the contract, and they are stored securely
Yes, usually under the consequences of damage due to a defect in design, plan or specification, materials, or workmanship. A property in a defective condition is often excluded, though we can get an extension to cover that too
Getting a quote is easy. Call us today on 01482 434343 and one of the team will be happy to help
