Insurance for Builders
Comprehensive insurance for building contractors and construction professionals. From extensions and renovations to new builds, we arrange cover that protects against the significant risks of construction work.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf from a panel of insurers. Policy terms, conditions, and exclusions apply.
Insurance Solutions for Builders
We arrange a range of insurance products tailored to the specific needs of your trade.
Public Liability Insurance
Essential cover for injury and property damage claims arising from your building work.
Learn moreEmployers' Liability
Legally required cover for employee injuries on construction sites.
Learn moreContract Works Insurance
Protection for buildings under construction against fire, theft, storm, and other perils.
Learn moreProfessional Indemnity
Cover for design work, project management, and professional advice errors.
Learn moreTools & Plant Cover
Protection for tools, equipment, scaffolding, and plant against theft and damage.
Learn moreCommercial Vehicle Insurance
Cover for your vehicles, including tippers, flatbeds, and crew vans.
Learn moreUnderstanding Your Risks
Every trade has unique exposures. Here are the key risks we help builders protect against.
Site Accidents & Injuries
Construction sites are high-risk environments. Falls, struck-by incidents, and equipment accidents are common claims.
Property Damage
Accidental damage to existing structures, neighbouring properties, and underground services during construction.
Fire & Storm Damage
Buildings under construction are vulnerable to fire, storm, and flood damage before completion.
Theft from Sites
Materials, tools, and plant are frequently stolen from construction sites, especially overnight.
Structural Defects
Defective work discovered after completion can result in significant remedial costs and claims.
Subcontractor Issues
Liability for work done by subcontractors and ensuring they have appropriate insurance.
Why Choose Specialist Trade Insurance?
Generic business insurance often leaves gaps in cover for trade-specific risks. Specialist policies are designed with your profession in mind.
- Contract works cover for buildings under construction
- High public liability limits for construction risks
- Cover for work at height and excavation
- Protection for JCT and other standard contracts
- Hired-in plant and equipment cover
- Cover for subcontractor management
Information for Your Quote
- 1Business name and trading address
- 2Number of direct employees
- 3Annual turnover and labour-only subcontractor costs
- 4Types of work undertaken (residential/commercial)
- 5Maximum contract value and depth of excavation
- 6Whether you use scaffolding or work at height
- 7Claims history for the past 5 years
- 8Details of any specialist work (demolition, asbestos, etc.)
Frequently Asked Questions
What's the difference between public liability and contract works insurance?
Do I need insurance for my subcontractors?
What public liability limit do I need?
Does the policy cover work at height?
What about design and build contracts?
Insurance for Other Trades
Builders Insurance for Construction Contractors
Building contractors face a broad spectrum of risks across every project they undertake. From structural damage and subsidence to third-party injury on site, the liability exposures in the construction sector are among the most complex of any trade. A specialist builders insurance policy is designed to address these risks comprehensively, providing cover that aligns with the type of work you carry out — whether that is new build residential, commercial fit-out, or renovation and refurbishment.
Public liability insurance is a legal and commercial necessity for any builder working on client premises or in public spaces. Employers liability insurance is a legal requirement if you employ staff, and it is also commonly required by main contractors before you can work on their sites. Contract works insurance — also known as contractors all risks — covers the value of materials and work in progress against damage, theft, or destruction before the project is handed over to the client.
At Focus Insurance, we understand that no two building businesses are the same. A sole trader carrying out extensions and loft conversions has very different insurance needs to a contractor managing multi-phase commercial developments. Our brokers assess your specific activities, contract values, and workforce structure before approaching our panel of specialist construction insurers. We aim to provide cover that is both comprehensive and competitively priced for the work you actually do.
Ready to Protect Your Business?
Get in touch with our team for a no-obligation quote tailored to your trade.
Monday – Friday, 9:00am – 5:00pm