Building Contractor Insurance

Get a Quote in 6 simple steps

Start your quote

Building Contractors Insurance Made Simple

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.

Get a Quote

Making insurance simple

Choose your limit of cover

Whether it's £1,000,000 or £10,000,000 you need, we've got you covered.

Add additional insurance

From professional indemnity insurance to additional tool cover, add all the cover you need with your public liability insurance in one quote form and we'll tailor your insurance policy to suit your needs.

Safe & secure online applications

Use our simple and secure online form to request your quote.

Stress-free insurance

Person meditating in control of their finances

Simple quote form

Get a quote with our online form in 6 simple steps. One policy, one set of documents.

UK based contact centre

Our UK based call centres are full of friendly staff who are here to help.

Peace of Mind

With over 30 years of experience, and only offering insurance from UK based A-rated insurers, you're in good hands.

Looking for further information?

Speak to one of our friendly and helpful advisors

02071 185247

Lines open between 8am and 8pm, Monday to Sunday

Get a Quote

Tradesman Insurance 4u

Google Rating

5.0 332 reviews

Read all our Reviews

Tradesman Insurance FAQs

What insurance does a Building Contractor need?

Most Building Contractors start with public liability insurance. If you employ staff, you're legally required to hold employers’ liability insurance. Depending on your work, you may also need cover for tools, personal injury, professional indemnity or contract works.

Do I need professional indemnity insurance?

If your work includes advice, designs, or technical specifications, professional indemnity insurance protects you if a client claims financial loss due to a mistake in your work. It’s particularly useful for trades offering expert guidance.

How much public liability cover do I need?

Cover levels typically range from £1 million to £10 million. The right level depends on the type of work you do and any contractual obligations. We’ll help guide you to the right option during your quote.

Can I get cover if I’m self-employed?

Yes. Whether you're working solo or running a small team, we offer tailored cover for self-employed Building Contractors. You can include tools, personal accident, and other extras as needed.

How much does Building Contractors insurance cost?

Building Contractors public liability insurance starts from £149.95 per year or £12.50 per month via Direct Debit (if your premium is over £200). Final costs depend on the work you do and the cover levels you choose.

How do I get a quote?

Just complete our quick online form or call us on 02071 185247. You can also request a callback. We usually return quotes within 1 hour during business hours.

What does a policy typically include?

Policies are flexible and can be tailored to your needs. You can choose from:

Do I legally need public liability insurance?

It’s not required by law, but it’s strongly recommended. Many clients or contractors require it before allowing you on-site, and it protects against claims made by the public or customers.

Do I need employers’ liability insurance?

Yes, if you employ anyone who’s not a direct family member. It’s a legal requirement with minimum cover of £5 million.

What is the difference between public and employers' liability insurance?

Public liability protects against injury or damage claims from third parties. Employers’ liability covers injuries or illness suffered by your staff as a result of their work.

Can I include personal injury insurance?

Yes, personal accident cover is available as an optional extra. You could receive compensation of up to £10,000 for injuries or £20,000 in the event of death, depending on the circumstances.

Can I combine multiple covers in one policy?

Absolutely. Just select the types of cover you need when completing your quote. We’ll bundle everything into one convenient policy.

Can I pay monthly?

Yes—we offer Direct Debit plans to help spread the cost across monthly instalments, available on policies over £200.

Where can I find out more?

Visit our full FAQ page or explore the insurance types section for more information about specific covers.

Tradesman Insurance Claims

We're here to help take the stress out of insurance.

Smiling insurance advisor on the phone to a client

Here to help

The world of insurance can be daunting, especially when relating to complicated matters such as liability and compensation when a claim is being made against you. Even before an official claim has been made, the team of legal advisors we work with will be there to help you.

In terms of the claim itself, our advisors can guide you through the steps you need to take to prepare and how to further protect yourself.

How to make a claim

To discuss your insurance requirements further, or to make a claim on an existing policy you can call us on:

02071 185247

Lines open between 8am and 8pm, Monday to Sunday

Smiling person at work with a headset on, ready to take calls and help customers.
Building Contractor with professional indemnity insurance on the job

Public liability insurance for building Contractors

For most building Contractors, public liability insurance is essential. It protects you if someone is injured or their property is damaged due to your work. We offer cover from £1 million to £10 million, helping safeguard against costly compensation claims.

Professional indemnity insurance for building Contractors

If your role involves giving advice, creating plans, or offering specialist knowledge, professional indemnity insurance can protect you from legal action if a client suffers financial loss due to an error. It’s available as standalone cover or alongside other policies, with limits from £50,000 to £5 million.

Additional Tool cover for building Contractors

Tools and equipment are vital for any building Contractor. Our tool cover insurance helps protect against theft, loss or accidental damage—keeping you working without disruption.

Someone looking for tradesman insurance on an ipad

Get the right insurance for your business

  • Review your policy documents carefully before you commit — know exactly what’s included and excluded.
  • Choose a suitable level of cover so you’re not left underinsured if a claim arises.
  • Accurately estimate the value of your tools and equipment — this ensures you can replace them if lost, stolen, or damaged.
  • If you employ anyone (even part-time or at home), you’re legally required to have employers’ liability insurance — fines for not having it can be up to £2,500 per day.
  • Even when not required by law, the right insurance helps protect your livelihood and keep your business running smoothly.

Get a Quote

  • Takes less than 5 minutes.
  • 6 simple steps
Get a Quote

Types of Cover