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You could be responsible for an injury
Building work can take place around customers, members of the public and other contractors. An accident on site could result in a claim against your business.
From general builders and renovation contractors to commercial building companies and specialist construction businesses, Dixons helps arrange commercial insurance designed around the work you actually do.
From construction sites and renovation projects to tools, equipment, employees and contract works.
Every building business is different. The projects you undertake, people you employ, equipment you use and contracts you work under can all affect the insurance you need. The right cover should reflect how your business actually operates.
Building work can take place around customers, members of the public and other contractors. An accident on site could result in a claim against your business.
From renovation work to new construction, your work can involve working directly on or around valuable property belonging to customers and other third parties.
Tools, equipment and plant can be essential to keeping a project moving. Theft, accidental damage or loss could leave you facing unexpected costs and delays.
Construction and renovation projects can involve materials, partially completed work and significant contract values. Damage during a project can create additional costs and delays.
Your insurance requirements will depend on your trade, contracts, employees, equipment and the type of work you undertake. We can help you understand the options available.
Protection against claims from customers, members of the public or other third parties alleging injury or damage to their property arising from your business activities.
Explore Liability Insurance →Cover for certain liabilities arising from injury or illness suffered by employees in connection with their work for your business.
Explore Business Insurance →Cover that can protect insured contract works and materials during a construction or renovation project, subject to the policy terms and conditions.
Explore Contractors Insurance →Your tools and equipment can be essential to completing projects. Depending on the policy, cover may be available for specified items against insured loss or damage.
Explore Contractors Insurance →Builders may use their own or hired-in plant and equipment. Suitable cover can help protect against insured loss or damage, depending on the policy.
Explore Contractors Insurance →If your business provides design, specification, consultancy or professional advice, Professional Indemnity may be relevant to your insurance programme.
Explore Professional Indemnity →Whether you work on residential projects, commercial developments, renovations or specialist building work, your insurance requirements can be different. We take the time to understand what your business does before discussing the cover that may be appropriate.
Insurance considerations for building contractors carrying out general construction, extensions, alterations, repairs and renovation work.
Cover considerations for businesses carrying out refurbishment, renovation, property alterations and improvement projects.
Insurance considerations for contractors working on commercial buildings, developments, offices, retail premises and other business properties.
Businesses carrying out repairs, maintenance and improvement work across residential and commercial properties may have a range of different insurance considerations.
Insurance considerations for contractors managing refurbishment and fit-out projects where existing buildings, materials and works in progress may be exposed to risk.
Specialist contractors can have more specific requirements depending on the work undertaken, contracts accepted and equipment used.
Builders insurance can bring together a number of different covers designed to address the risks associated with your business. The right combination will depend on the work you undertake, your contracts, employees, equipment and other circumstances.
Public Liability Insurance can provide protection against certain claims made by third parties alleging injury or damage to their property arising from your business activities. This can be particularly relevant for builders working on customer premises, construction sites and other public or commercial locations.
If you employ people, Employers' Liability Insurance can provide cover for certain liabilities arising from employee injury or illness connected with their work. The requirements for your business will depend on your circumstances and how your workforce is structured.
Contract Works Insurance can cover insured construction or renovation works and materials during a project, subject to the policy terms, conditions and exclusions. This can be particularly relevant where a building project represents a significant financial exposure for your business.
Builders can rely heavily on tools, plant and equipment to complete their work. Depending on the policy, cover may be available for insured loss or damage to equipment used in connection with the business.
Contractors sometimes hire plant or equipment for particular projects. Where relevant, insurance can be arranged to address certain risks associated with hired-in equipment, subject to the policy wording and the contractual requirements.
Professional Indemnity may be relevant where a building business provides professional advice, design, specifications or consultancy services. Whether this cover is appropriate depends on the nature of the services your business provides.
The covers described above are examples of insurance that may be relevant to a building business. Whether a particular cover is available or appropriate will depend on your circumstances, the insurer, policy wording, limits, excesses, exclusions and other conditions.
Construction work involves people, property, equipment and projects. Even when you take care and work safely, unexpected incidents can happen. Here's how some common situations could affect a building business.
You are carrying out building work at a customer's property when they enter the work area and suffer an injury. A claim could potentially be made against your business.
While carrying out renovation or construction work, something goes wrong and accidental damage is caused to property belonging to your customer or another third party.
Your tools are essential to completing your work. Theft, accidental damage or another insured event could leave you facing the cost of replacing important equipment.
You're part-way through a construction or renovation project when an insured event causes damage to the works or materials. The resulting costs could affect both the project and your business.
These examples are illustrative only. Whether a particular incident or loss is covered will depend on the individual policy wording, terms, conditions, exclusions, limits and circumstances of the claim.
Your building business is unique. The projects you undertake, the people you employ and the contracts you accept all help determine the risks you face.
As an independent commercial insurance broker, Dixons can help you understand the insurance options available and arrange cover around your individual business requirements.
We focus on commercial insurance and the risks businesses face.
Your trade, contracts, employees, equipment and activities can all influence your insurance requirements.
We can help you navigate the insurance market and understand the options available to your business.
Dixons Commercial Insurance Brokers has been established since 1981.
Understanding your insurance is important. Here are answers to some of the questions builders commonly ask about commercial insurance.
Builders Insurance is a broad term used to describe insurance designed around the risks faced by building contractors. Depending on the business and policy, it can bring together different types of cover such as liability, contract works, tools and equipment, plant and other relevant insurance.
There isn't one standard insurance package that suits every builder. Your requirements can depend on factors such as the work you undertake, employees, subcontractors, contracts, turnover, tools, plant and the projects you work on. Public Liability and Employers' Liability can be important covers, while Contract Works, tools, plant and Professional Indemnity may also be relevant depending on your business.
Public Liability Insurance can be important for builders because construction work can involve customers, members of the public and third-party property. Whether you need it, and the appropriate level of cover, will depend on your business activities and circumstances.
Employers' Liability Insurance provides protection against certain liabilities arising from employee injury or illness connected with their employment. Whether your business requires it depends on your circumstances and workforce.
Depending on the policy, cover can be available for specified tools and equipment against insured loss or damage. The items covered, limits, exclusions and circumstances will depend on the individual policy.
Contract Works Insurance can provide cover for insured construction or renovation works and materials during a project, subject to the individual policy terms, conditions, exclusions and limits.
The treatment of subcontractors varies depending on the policy and how your business operates. It's important to explain your use of subcontractors when arranging your insurance so the appropriate cover and policy conditions can be considered.
There isn't a single price for Builders Insurance. Premiums can depend on factors including the type of work you undertake, turnover, employees, claims history, contract values, the covers required and the limits selected.
Yes. If you already have Builders Insurance, Dixons can discuss your current arrangements, understand how your business operates and consider whether your insurance programme continues to reflect your requirements.
Need an answer that's specific to your business? Talk to Dixons and we'll help you understand the insurance options available to your building business.
Whether you're a sole trader, a growing building company or an established construction contractor, Dixons can help you understand the insurance options available for your business.
Tell us about your business, the work you undertake and the type of projects you work on. We'll help you understand the insurance options available.
Insurance is subject to the policy terms, conditions, exclusions and limits applicable to the cover arranged. The information on this page is intended as a general guide and does not constitute personal insurance advice.