Public Liability Insurance For Builders

Looking for cheaper public liability insurance for builders?  Let us compare our markets to find the right builders’ liability insurance for you.  As one of the UK’s leading construction insurance specialists, we can help you protect yourself from liability claims from members of the public.

Public Liability For Builders Backed By ‘Exceptional’ Service

Looking for cheaper public liability insurance for builders?  Let us compare our markets to find the right builders’ liability insurance for you.  As one of the UK’s leading construction insurance specialists, we can help you protect yourself from liability claims from members of the public.

For independent advice and a great value public liability insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper liability insurance.

Call us today on 0800 977 6037 and let our award-winning team help you.

Call us today on 0800 977 6037 and let our award-winning team help you.

Why choose Coversure for your Public Liability Insurance for Builders?

Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of liability 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 builder’s liability insurance quote today.

Builders’ Liability Insurance backed by ‘Exceptional’ service

Our award-wining team is rated as ‘Exceptional’ by feefo and with over 50 years of liability 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 Public Liability for Builders Insurance?

Public liability insurance for builders, also known as builders’ liability insurance or public liability insurance for building contractors, protects builders and other construction professionals from compensation claims made by members of the public for losses or injuries caused by your activities.   One of the most important insurance policies you can take out, it offers builders protection over liability claims arising from things such as:

  • A homeowner tripping on a cable while inspecting your work
  • A tool falling from a scaffold and striking a member of the public’s car
  • Your van damaging someone’s property while bringing materials in
  • Damaging a neighbouring property during building work

These are just some of the causes of the thousands of public liability cases brought annually in the UK.  According to the British Insurance Brokers’ Association (BIBA) UK insurers pay out over £22m per day – £8bn per year – in public liability claims, with the average payout being £13,500.  On top of that there are potentially hefty legal fees, so having public liability insurance in place makes a lot of sense for both builders and building contractor firms.  If you’d like to know more or would like a free, no-obligation public liability insurance quote, then please call us on 01482 434343 or request a callback.

What can Builders’ Liability Insurance cover?

While a policy can be tailored to meet the specific needs of your business/the job you are working on, common covers in public liability insurance for builders include:

Compensation claims – is someone is injured or had their property damaged as a result of your work, and they decide to sue for compensation, you can be held financially liable.  Public liability insurance can cover both compensation claims and help with legal fees

Cost of repairs – if someone’s property has been damaged through your business’s activities, say a car  has been driven into while you were reversing, for example, public liability insurance will cover the cost of repairing it

Legal expenses – helps cover the cost of any legal fees you must pay during a hearing

Medical fees – in the event of accidental injury, reasonable medical expenses for rehabilitation and recovery costs will be provided

How much Public Liability Insurance does a builder need?

Most builders’ public liability insurance policies have limits of between £1m and £5m.  The level of public liability insurance you need will vary depending on the following factors:

The size of your business

The type of work it does – a builder working mainly on buildings in town centres is likely to need higher levels than one who does work for homeowners, for example 

The size of the contracts you work on

Who you do work for

Your claims history

Your business’s postcode

If you’re working with/carry hazardous goods/supplies/materials

How much does Public Liability  Insurance for builders 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 cover package that fits your requirements. What we can say is that your public liability insurance for builders quote will depend on things such as…

The size of your business

The type of work you’re doing and for whom

The size of the contracts you’re working on

Your claims history

Your business’s postcode

Whether you are working with hazardous materials

If you’re working at height

If you’re working with heat

The mileage you do

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 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

We get asked a lot of questions about public liability insurance, so to make getting the cover you need easier, here are our public liability insurance frequently asked questions and answers.  We’ve covered the most important issues here, but if you’d like some independent advice, then please call us on 01482 434343 or request a callback.  Our team of liability insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.

If your work brings you into contact with members of the public, then you’d be wise to have a policy in place.  Some employers/contract providers may insist on you having a minimum level of cover

That will depend on factors such as the size of your business, the type of work you are doing, where and for whom, and your claims history

No, but given the level of protection it affords you, it’s well worth taking out if you have any dealings with members of the public.  As we have said though, some employers/contract providers such as local authorities or charities may insist on you having at least £1m of cover in place

Again that will depend on things like the size of your business, what it does, for whom, and whether you have any employees.  Public Liability insurance provides cover limits typically range from £1m, £2m, £5m to £10m

No, employers’ liability insurance, which is a legal requirement, protects employers against compensation claims from their staff for injury, illness or damage to their property through their work

Someone you are working for may ask for proof of your policy.  Once you have taken out a policy with us, we can provide you with the documentation you need to prove you have public liability insurance

No, anyone can get a public liability insurance quote.  Public liability cover can be essential if you’re an individual selling your homemade foods at a farmers’ market, for example, it’s also important to have public liability insurance cover if you’re a professional tradesperson

Yes, and the types of sickness range from anything minor to life-changing conditions, illness, disease, or even death.  These will be covered provided they were caused by you or your business.  The injured party may also claim for general damages for pain and suffering

It doesn’t cover:

  • Accidents or injuries which happen to you
  • Damage to your property
  • Accidents that affect your employees or their possessions – that’s covered by employers’ liability insurance

Getting a liability insurance quote from us is easy.  You can call us on 01482 434343, request a callback or get a builders’ liability insurance quote here.  Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like

Yes, we can insure electric vehicles, including cars, vans and even trucks.