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Public Liability Insurance for Builders – Compare Cheap Quotes

If you’re employed as a builder there’s a good chance your employer’s own public liability insurance policy will insure you against the risk of liability claims.

Self-employed builders, on the other hand, would be expected to cover any legal costs and compensation pay-outs themselves if they were ever sued by a customer or a member of the public… unless they had suitable public liability insurance for builders in place at the time of the incident.

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Is public liability insurance for builders a legal requirement in the UK?

No, as with all public liability policies, public liability insurance for builders is entirely optional in the UK.

However, even though it isn’t mandatory, industry bodies such as the Federation of Master Builders recommend builders do ensure they have suitable public liability cover in place before they start a job, because it can offer them protection against potentially very costly liability claims in exchange for a relatively cheap premium.

What does builders insurance insure me against? 

If you’re a self-employed builder or you run a small construction company builders insurance can cover you if one of your customers or a member of the public is injured and it is alleged that the accident occurred due to some sort of negligence on your part.

For example, if a visitor to your construction site was injured by falling debris and they believed the injury occurred because you failed to take the necessary safety precautions on site, they could try to sue you for damages.

Similarly, if someone’s property or belongings were damaged due to a mistake you made, that person could also sue you for damages.

Public liability insurance for builders should cover you against the resulting legal fees and compensation pay-outs in either of those cases.

How much does builder insurance cost?

Insurance companies use a wide range of variables when calculating the premium for your builders insurance, many of which are unique to the policyholder, so it’s almost impossible to indicate how much a builder might be quoted for public liability insurance without comparing real quotes.

For instance, your location, the level of coverage you’d like to take out, whether or not you’ve claimed on a public liability insurance policy in the past and whether or not you’d like to bundle other types of cover into your builders insurance policy will all affect the premiums you’re quoted.

The best plan is to use Quotezone.co.uk’s builders insurance comparison service to compare quotes from a range of different providers, and then go with the one that offers the best policy at the most competitive price.

What add-ons should I consider adding to my builder insurance policy?

Public liability insurance for builders is the core element of any builders insurance policy, but it is possible to bundle other optional add-ons with your PLI cover in order to ensure you have well-rounded protection.

Some of the add-ons you can bundle with your liability cover include:

• Employers’ liability insurance: If you are a self-employed builder and you always work alone you might not need this type of add-on, but if you do employ other people then you’re legally obliged to have employers’ liability insurance in place.
• Professional indemnity insurance: This add-on covers you if you are held liable because advice or expertise you provided resulted in some kind of loss for your customer. For example, if you used the wrong kind of mortar when you were building a customer’s new extension, professional indemnity insurance could cover you if that customer held you liable for the resulting damage.