Public liability
Third-party injury on site
Visitors, neighbours or passers-by injured on or near your site are public liability exposures.
Trade cover
Building Contractor Insurance
Building Contractor cover, quoted in minutes. Your quote depends on trade, turnover and cover levels.
Get a quoteTakes about 5 minutes · No card details to get a quotation · Documents by email
The work
Multi-trade sites and contract responsibility
At Tradesman Insurance 4u we aim to take the normal hassle out of insurance. Complete our online form in 5 simple steps and our experts will get straight to work, finding you the best possible quote to suit your business.
Being responsible for overseeing construction can be stressful work, with unforeseen delays and projects going over budget. The flexibility and expertise you offer is relied upon by many, so finding the right insurance to fit your job is essential. Insurance is one of the key foundation aspects of a business that is well run. At Tradesman Insurance 4u you have the option to choose from a variety of key covers, including employers liability insurance and professional indemnity insurance at the click of a button. These also serve as a guarantee for a single premium, one set of documents as well as a single renewal date.
Simply put, our tailored policies for building contractors is fast quality cover without the normal hassle. Tradesman Insurance 4u's building contractors insurance serves as a guarantee for peace of mind, not only to yourself but also those who rely on you. Whatever your insurance needs, we've got you covered.
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Contract works
Damage to unfinished work
Storm, theft or vandal damage to a build before handover may need contract works where you are responsible.
Employers' liability
Employee injury on site
Employers' liability is compulsory when you employ labour on site, including many temporary arrangements.
On the quote form
Cover you can select
These are the cover options you can build on the form. Your quotation and schedule confirm what applies.
Public liability
The core cover for injury and property damage. Limits from £1m to £10m on our form.
Employers' liability
Legally required if you employ staff, including part-time or temporary workers.
Contract works
Cover for work in progress where the contract makes you responsible for unfinished builds.
Professional indemnity
For advice, design or consultancy work. Limits from £50,000 to £5m.
Tools and equipment
Optional cover for theft, loss or accidental damage to your kit.
Prices start from
£149.95 / year
including IPT
or from £13.91 per month
What building contractor cover costs
£149.95 is the lowest price available on our quote form for public liability for building contractor. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £13.91 a month. The total you pay by instalments is higher than paying in full.
It is not a typical package and most policies cost more.
Illustrative monthly Direct Debit instalments, subject to eligibility. A deposit applies by card; paying in full costs less.
Quote online in minutes
Select your trade and cover on the form.
1
Select your trade
Choose your trade and tell us how your business is set up.
2
Pick your cover
Add public liability, employers' liability, tools and other options.
3
See your price
Your quotation updates as you select limits and extras.
4
Get your documents
When you buy online, documents are emailed straight away.
A claim we have handled
A settled example from salon and beauty clients. The outcome depended on the cover in force at the time.
Public liability
A passer-by was injured near an active building site under the contractor's control.
Public liability responded to the third-party injury claim.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
Google reviews
5.0 out of 5 from 368 Google reviews
I dealt with Nick today, great experience, very helpful and informative as well as getting me the best price possible. i would highly reccomend using Nick for your insurance needs
matthew borrowdale
a month ago · Google
Very happy to continue with Tradesman Insurance. The contact was very helpful and straightforward in explaining my questions. I found the premium very reasonable in comparison and will continue with them.
Mark Haynes
3 months ago · Google
Nick was great to deal with on the phone. Explained everything, got me the right policy, and was hassle free. Top man
Jamie Davin
3 months ago · Google
Building Contractor Insurance FAQs
Most building contractors start with public liability. Add employers' liability if you have staff, contract works where you are responsible for unfinished builds, optional tool cover, and professional indemnity if you give advice or design work.
When the contract makes you responsible for the works in progress — materials and incomplete construction — before handover. Your quotation and schedule confirm whether contract works applies; see our contract works cover type page for how the product is described.
It is not a legal requirement for every business, but many clients, sites and contracts expect it. Employers' liability is legally required when you employ staff.
Public liability for building contractor starts from £149.95 a year, including Insurance Premium Tax, on our site. £149.95 is the lowest price available on our quote form for this trade. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £13.91 a month, subject to eligibility. Paying in full costs less.
It is not a typical package and most policies cost more.
See your building contractor price
Select your trade and limits on the quote form. No obligation.
Get a quoteRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. Tradesman Insurance 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Building Contractor Insurance
from £149.95 a year or £13.91/month incl. IPT; your price depends on what you select