We use cookies to make sure your experience is as good as it can be. If you’re happy with that, just continue using the site. Learn more about our Cookie Policy

Close
Rated excellent (4.3 out of 5 stars). TrustPilot logo.

Builders' Insurance

Building sites pose many potential dangers to you, your team and the public. No matter how much focus you give to health and safety, accidents can and do happen, and that can mean costly legal claims that can destroy your reputation, your finances, and your business. At Park Insurance, we understand the risks, and we know just how much effort you've put into building your business. That's where we can help. As your insurance partner, we leverage our status as preferred brokers to find you the best builders’ insurance at competitive prices, providing you with total peace of mind.

Get a Quote
Scroll

What is builders' insurance?

Builders' insurance is designed to protect you financially from all the risks your building business faces. In addition to threats to health and safety, builders face numerous other hazards daily.

Rather than a single specific type of insurance, builders' risk insurance can be a bespoke portfolio of cover that applies to everything from Public Liability cover to specialist vehicle insurance, business interruption, and plant machinery cover. The key is to create a package that suits your business needs and can be revised if your situation changes.


What is builders' public liability insurance?

Public liability insurance is a must-have for builders. Not only does it cover your legal expenses if someone is injured or their property is damaged as a result of your actions, but it also protects you against the financial consequences of a personal injury or compensation claim. Without PLI, your business could face a bill of thousands or even hundreds of thousands of pounds. A minimum of £1-2million public liability cover is standard, but the amount that you need will depend on the scope of your work and if you have contracts that specify a higher limit.

What does builders' insurance cover?

Not every builder requires the same level of coverage. We'll carefully put together a bespoke insurance package that includes everything you need to protect your livelihood. And we make sure you don't pay for anything you don't need.

Other types of insurance policies to consider

Your builders' insurance package could also include:

  • Employer's liability (this is a legal requirement if you employ any staff, even if they are part-time)
  • Indemnity insurance
  • Tools cover - If you have expensive tools or plant, they're at risk of being stolen or damaged
  • Van insurance - If you own a van, it must be appropriately insured for road use. Ordinary vehicle insurance won't be valid if you use your van for business
  • Office equipment
  • Premises cover
  • Plant cover (for owned or hired plant)
  • Stock cover
  • Personal accident and illness insurance
  • Private medical insurance
  • Legal expenses

Insurance for contractors vs construction business insurance

Insurance for contractors is focused on the individual. If you’re a solo builder, plumber, or electrician, contractor’s insurance gives you personal cover that protects you and your business as a sole trader or contractor. Construction business insurance provides cover for building businesses and can include specifics such as Employer's Liability cover (a legal requirement if you employ anyone, including contractors) and higher-value Public Liability cover.

Find the best builder’s insurance quotes with Park Insurance

Whether you're self-employed or run a large team, speak to our dedicated builders' insurance team at Park Insurance. We are a family-run business with over 30 years of experience finding high-quality policies at the lowest prices for builders like you. From a simple package for sole traders to more complex portfolios for larger construction businesses, we can help you find the right insurance for your needs and your budget.

We're an independent broker, which allows us to shop around and find the genuinely best deal. Our links with some of the UK's largest insurance companies, combined with our large buying power, put us in a strong position to negotiate lower prices on your behalf.

Whether you're a sole trader or a big developer, contact us today and let's start building together. You can also use our form to receive a fast, no-obligation quote.

Commercial Insurance Categories

Search:

Get in touch

Give us a call on 0117 301 8507 or click on the button below and we will be happy to contact you to discuss your needs.

Get in touch

Copyright 2025. All rights reserved

Resources

Privacy Notice Cookie Policy Affiliate Zone Careers

Contact

Park Insurance Services Ltd
323 Church Road
St George
Bristol
BS5 8AA

Tel: 0117 955 6835

Email: info@parkinsurance.co.uk

Park Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under FRN 998383. You may check this on the Financial Services Register by visiting the FCA website. Park Insurance Services Limited is registered in England and Wales (company number 13091532). Registered address: 323 Church Road, St. George, Bristol, England, BS5 8AA.