Builders insurance

As a builder you work in the UK’s largest industry: construction. With over 2 million employers and employees you’re part of a large network of professionals who jointly provide an extremely valued and important service. You’ll also know that very real health and safety risks attached to your profession which can be protected with bricklayers insurance.

Your work will involve climbing great heights, lifting heavy equipment and using machinery that has the potential to cause a human being serious harm. These and other unavoidable hazards make your profession a risky one: builders insurance is therefore something to seriously consider for your protection and peace of mind.

Third parties – persons other than you or employees – will often be present on or near a building site; they are therefore at risk to the same extent that you and your colleagues are. Should they be harmed in any way as a result of being in close proximity to your building materials or machinery they could make a claim against you and request a large amount of compensation. Defending the claim, or paying out the compensation, could be very expensive. Therefore, in order to ensure that it wouldn’t be you or your business picking up the cost, take out public liability insurance to cover you in such circumstances. Through our site you’ll find it comes as standard with all the builders insurance packages we offer, and can be purchased to the value of £1m, £2m or £5m.

If you own and run a building business you’ll need to think about your employees when searching for a liability insurance package. It is compulsory by UK law for you to purchase employers liability insurance if you have one or more employees. The financial repercussions of not doing so would be considerable: not only would the you and your business have to pick up the cost of any legalities resulting from damage, injury or illness to an employee, but the fines for not having employers liability insurance can be up to £2,500 per day. You’ll need to take out cover up to a value of £10m, and to a minimum value of £5m. The builders insurance package you’ll be able to purchase through Insure My Liability will allow you to combine both employers and public liability insurance in one neat, comprehensive package, ensuring you peace of mind when on the building site. You’ll also be able to choose from a range of optional policy extras to make sure your builders insurance policy reflects the needs of you and your company.