Builders Insurance in the UK: What to Check, Costs, and Why It Matters

Hiring a builder is a big decision. Whether it’s for an extension, a driveway, or a full garden makeover, you want to know the work is protected. That’s where builders insurance comes in.In this guide, we explain what it covers, how much it costs, and why checking it matters.

Key Takeaways

• Always check a builder has the right insurance before work starts.

• Public liability insurance is essential for protecting against injury or damage claims.

• Employers’ liability insurance is a legal requirement if staff are employed.

• Insurance costs vary based on project type, location, and business size.

• A reputable builder will provide proof of cover without hesitation.

Why Builders Insurance Is Important

Construction work carries risks. Tools, heavy materials, and structural changes can lead to accidents or property damage.Insurance ensures:

• You are covered for injury or damage caused during the project.

• Builders can complete the job even if something unexpected happens.

• Disputes are resolved faster through an insurer rather than legal action.

Types of Builders Insurance

Public Liability Insurance

This protects against claims if the builder causes injury to a person or damage to property.Example: A ladder falls and damages your car during an extension build.

Employers’ Liability Insurance

A legal requirement for any business employing staff. It covers injury or illness caused by work.

Contract Works Insurance

Covers the project itself. If materials are stolen or damaged before the job is finished, the cost is covered.

Professional Indemnity Insurance

Protects against claims if the builder’s design or advice causes a problem. This is especially relevant for landscaping projects where design decisions impact safety and appearance.

How Much Does Builders Insurance Cost?

Premiums vary based on:

• Size of the business.

• Level of cover.

• Project type and risk level.

Small builders might pay a few hundred pounds per year. Large firms or high-risk projects, like major brickwork or structural changes, will pay more.

What to Check Before Hiring a Builder

Ask for:

• Proof of insurance — a certificate or policy document.

• Details of coverage limits — higher limits offer more protection.

• Expiry date — ensure the policy is valid for your project timeline.

A trusted building company will be happy to share this.

What If a Builder Has No Insurance?

This is a red flag. Without insurance:

• You could be liable for injury or damage costs.

• Work may stop if an incident occurs.

• You have less protection in disputes.

Final Word

Checking a builder’s insurance is as important as checking their experience. It protects you, your property, and the builder. A professional will have the right cover in place before they step onto your site.