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Working as a building contractor can be stressful. Because of the complex nature of the work, there are often unforeseen delays and problems that arise. Building contractors insurance is there to protect you and your customers when things do go wrong. Depending on the size of your business and type of work you carry out, you might have a requirement to have different types of insurance and coverage options. So that you can easily understand which cover you need, we’re sharing this guide on what insurance building contractors need.

Public Liability Insurance For Building Contractors

Public liability insurance protects builders against liabilities for injuries or damage to third parties. This includes if a building contractor causes damage to a property or a non-employee suffers an injury because of the works. Because of the risks involved with building work, public liability insurance is a requirement for all contractors. Having this type of insurance will ensure that you have coverage for potential claims against you.

 

Employer Liability Insurance

Any building contractors who are employers of other staff members have a legal requirement to purchase employer liability insurance. This type of insurance coverage is so that you have protection against liabilities for injury or illness of an employee. In 2019, 79,000 workers in the construction industry suffered work-related ill-health. Employer liability insurance is compulsory in order to protect against these cases of ill-health.

 

Contractors All Risk Insurance

This type of insurance is specifically for the construction industry. Because of the potential damage that can take place during building works, this covers any physical damage to sites and work materials. Contractors all risk insurance is usually sold alongside public liability insurance. This is because public liability doesn’t always provide full coverage, but contractors all risk insurance will cover against all eventualities.

Are You Looking For Building Contractors Insurance?

For more information on your insurance requirements as a building contractor, and to get a free quick quote, contact our team today.

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