Builders Insurance
Protect your building business against on-site accidents, property damage claims and tool theft with cover designed for the construction trade.
Get in touchWhat is builders insurance?
Builders insurance is a comprehensive package of policies that protects building contractors and construction businesses from the wide range of risks involved in construction work. It typically includes public liability, employers liability, tools cover and contract works insurance.
Construction sites present significant risks, from scaffolding collapses to accidental damage to neighbouring properties. Having the right cover in place means a single incident will not threaten your business.
Cecil works with insurers who specialise in construction, so you get a policy priced for the work you actually carry out rather than a one-size-fits-all tradesperson product.
Public Liability
Covers third-party injury or property damage claims arising from your building work.
Employers Liability
Legally required if you employ anyone, covering workplace injury and illness claims.
Tools and Equipment
Covers the cost of replacing stolen or damaged tools and plant equipment.
Professional Indemnity
Protects against claims that your design work or advice caused a client financial loss.
Products Liability
Covers claims arising from products you supply or install as part of a building project.
Who needs builders insurance?
General builders
Undertaking a range of domestic and commercial construction work
House builders
Building new residential properties from the ground up
Extension specialists
Adding extensions, loft conversions and structural alterations
Renovation contractors
Carrying out refurbishment and restoration projects
Building subcontractors
Working under a main contractor on larger sites
Property developers
Building or converting properties for sale or rent
WHY CECIL
Built differently.
Construction-specific cover
Building work carries higher risks than most trades. Find insurers who understand construction, so your policy covers everything from groundworks to final fix.
Cover for your full scope of work
Whether you are building extensions, converting lofts or managing new builds, we find policies that reflect the range of work builders actually do.
Competitive quotes, fast
Tell us about your building projects and we will find options from construction insurers. No need to call around brokers or fill in lengthy proposal forms.
Claims handling you can rely on
Construction claims can be large and complex. Cecil works with insurers who have dedicated construction claims teams and a track record of settling claims fairly.
Common questions about builders insurance
Do builders need public liability insurance in the UK?
Public liability insurance is not a strict legal requirement, but it is a practical necessity for builders. Most clients, main contractors and local authorities require you to hold a minimum level of cover before you can work on their sites.
What level of public liability do builders need?
Most builders carry between £1m and £10m of public liability cover. Commercial clients and main contractors often require at least £5m. Cecil helps you choose the right level based on the contracts you typically work on.
Does builders insurance cover subcontractors?
It depends on the policy. Some policies extend cover to labour-only subcontractors, while others require subcontractors to hold their own insurance. It is important to check this before work begins.
Do I need contract works insurance as a builder?
Contract works insurance covers the value of the work you are carrying out and the materials on site against damage from fire, theft, flooding and other perils. If you are responsible for the works under your contract, this cover is essential.
Interested in Builders insurance?
We will be in contact when Cecil launches.