Builders Insurance

Builders Insurance – Complete, Affordable & 24/7 Trusted Protection

Overview

Builders insurance is essential because working as a builder naturally involves a higher level of risk than many other professions. Heavy materials, machinery and strict health and safety requirements mean accidents can happen quickly — and the consequences can be serious. From falls and structural movement to damage to neighbouring properties, builders face a greater likelihood of injury, property damage and third-party claims on every job.

With the right Builders Insurance in place — including Public Liability, Employers’ Liability and cover for your tools, plant and equipment — you can protect your business from the financial impact of accidents, injuries or damage on site. Comprehensive builders insurance gives you the confidence to work safely and professionally, knowing you’re backed if something goes wrong.

Benefits

Effortless

comparison sites, confusion and going around in circles. We’ll access the entire market for you.

Affordable

Using our influence and buying power to get you the very best prices available.

Bespoke

Different businesses require different covers. We will tailor make your policy for you and your needs.

Public & Products Liability Insurance for Builders

Public Liability Insurance is a vital part of any Builders Insurance package. As a builder, you’re constantly working on or around other people’s property, often in busy or confined spaces. If your work accidentally causes injury to a third party or damage to a customer’s home, neighbouring property or contents, the cost of putting things right can be significant.

For builders, this could include scenarios such as starting a fire on-site, causing a burst pipe, damaging a client’s roof or an object falling and injuring a member of the public. A strong Public Liability Insurance for Builders policy helps protect your business against compensation claims, repair costs and legal fees. It means an honest mistake doesn’t have to threaten the future of your business. Find out more about construction site safety standards from HSE Construction Guide.

Employers Liability Insurance for Builders

Your employees face serious risks every day on site, which is why Employers’ Liability is a core part of Builders Insurance. Whether they’re working at height, using power tools, handling heavy materials or operating in hazardous environments, accidents and work-related illnesses can and do happen. In the UK, Employers’ Liability Insurance is a legal requirement for most businesses that employ staff.

Employers’ Liability Insurance for Builders provides financial protection if an employee is injured or becomes ill as a result of their work. It can cover legal defence costs, medical expenses and compensation awards. By including this cover in your builders insurance, you’re not only meeting your legal obligations — you’re also protecting your most important asset: your people.

Tools, Plant & Asset Protection Insurance for Builders

Protecting your tools, plant and equipment is another key element of a robust Builders Insurance policy. Your tools, materials and hired-in or owned plant are exposed to risk every day — from theft and vandalism to fire and accidental damage on site or in transit. Losing them can bring a job to a standstill and leave you out of pocket.

A comprehensive Tools and Equipment Insurance for Builders or Contractors’ All Risks policy helps ensure your essential assets are covered. This can include hand tools, power tools, site equipment, temporary buildings and materials both on-site and in storage. With the right protection in place as part of your builders insurance, you can minimise downtime, avoid costly delays and safeguard the equipment your business relies on.

The process

Quick. Simple. Competitive.

 

We’ll call you back. Find out what you need and then give you a couple of quotes and options. It’s that simple.

Why choose Evolution for Builders Insurance

Choosing the right Builders Insurance isn’t just about ticking a box for compliance — it’s about having a policy that’s shaped around how you actually work. We take the time to understand your projects, the size of your team, the type of sites you work on and the tools you rely on, so your cover reflects the real risks you face. Whether you’re a sole trader or you manage a growing building firm, we can arrange builders insurance that combines Public Liability, Employers’ Liability, tools and plant cover and more, under one simple, tailored solution. Start your quote here.

builders insurance

FAQ’s

Absolutely. Subject to credit we can offer instalments to suit your requirements. We will offer you payment options when quoting.

We aim to provide same-day insurance quotes wherever possible. In some cases, it may take longer if we need additional information or if underwriters request further details about your business.

In the UK, the only legally required business insurance is Employers’ Liability Insurance if you have staff. Other covers—like Public Liability, Professional Indemnity or Business Interruption—aren’t mandatory but are essential to protect your business from costly claims, accidents and major disruptions.

No. We’re an independent insurance broker with access to the full UK insurance market. This means our recommendations are based solely on the best cover, price and protection for your business. We review all suitable options and explain the pros and cons of each so you can make an informed decision.