Construction can be a hazardous industry and builders are generally exposed to a large number of risks on site. Having liability insurance means you are protecting yourself, your employees and the public incase of any accidents.
Public liability insurance for construction work will cover you or your business against things you are responsible for and also external events which are out of your control.
Whether you are self employed or the owner of a construction firm, our insurance experts have the experience and knowledge to provide you with a tailored insurance quote that will cover all of your needs and potential liabilities.
If you are self employed you may also want to consider other insurance types such as, income protection insurance and critical illness insurance as well as tool insurance.
What Does Builders Liability Insurance Cover?
- Public Liability
Even with modern safety requirements it is fairly common that building sites pose a large risk to the general public. This makes public liability insurance well worth considering, even if it isn’t a legal requirement. It will cover you for any claims against damage, loss or injury to third parties. If you are proved to be at fault this will cover the cost of compensation.
- Employers Liability
Using heavy machinery and sharp tools increases the level of risk, so it is important to get the right cover for your employees. Unlike public liability, employers liability is a legal requirement in the UK. This will cover claims from employees in case of any accidents that your employees may have onsite that cause bodily injury or damages.
- Indemnity to Principal
When working as a contractor you will be required to provide an indemnity to a principal. This will be including within the liability cover and is required for most contracting companies. If you are a contractor and have any contractual requirements relating to insurance which you do not fully understand please get in touch with our insurance experts.
Get in touch with Central Insurance Brokers today for your tailored quote via the form on this page or alternative call us on 01253 764924
Builders Liability Insurance FAQs
- Do Builders Need Public Liability Insurance?
It is not a legal requirement in the United Kingdom to have public liability insurance. However it is highly recommended, and with the amount of potential risks involved with construction sites it is best to be covered for the worse case scenarios.
- Do Building Companies Need Employers Liability Insurance
If you have one or more employees, employers liability insurance is a legal requirement in the UK. Not having employers liability insurance could be a costly mistake too, for each day you are not correctly insured you can incur a fine of up to £2,500.
- What Other Types of Insurance Might I Need as a Builder?
Liability insurance is not the only insurance need for builders in the UK, depending on your business or if you are self employed you may also want to consider:
- Plant and machinery insurance
- Business equipment insurance
- Tool insurance
Why Use Central Insurance
Benefits of using Central Insurance Blackpool:
- Long-established broker since the 1980s
- Instant online quotation with access to dozens of other insurers offline
- We search the market every year to ensure you're always getting the best deal
- Claims team with over 26 years of experience, dedicated to helping you