Building Contractor Insurance - Tradesman Insurance 4U

Building Contractor Insurance

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FCA regulated

Specialist cover for tradespeople

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.

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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

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Simple quote form

Request 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

01773 810072

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

Tradesman Insurance 4u

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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.

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 01773 810072. You can also request a callback.

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

Site damage, injury and tools claims: practical help when a job goes wrong.

Here to help

A customer alleging damage, an injury on site or a tools theft claim can stop the next job cold. Even before an official claim is lodged, the legal advisors we work with can help you understand what to photograph, keep and report.

Our advisors guide you through preparation and how to protect yourself while the claim progresses. See our step-by-step claims guide for what to do first. Most policies require you to notify your insurer using the details on your schedule.

How to make a claim

To discuss your insurance requirements, or if you are unsure which insurer to notify, you can call us on:

01773 810072

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

Tradesman Insurance Claim Examples

  • Public liability

    A painter and decorator was finishing a job in a house with a newly laid carpet. They accidentally dropped an open tin of gloss with obvious results. The customer claimed the cost of the carpet and the labour to re-fit a new one.

    Public liability insurance covered legal expenses and the compensation awarded.

  • Professional indemnity

    A structural engineer was tasked with calculating the amount of steel beams and lintels required for a commercial building. During construction it became apparent that the calculations were wrong and the steel would not hold the required load. The project had to be restarted, resulting in a heavy financial loss and large claims against the engineer.

    Professional indemnity cover paid the claim and helped keep the engineer in business.

  • Public liability

    A scaffolding business had scaffolded a house without securing it properly. In strong winds the scaffolding collapsed onto the next door neighbour's house, destroying a large section of the roof.

    Public liability insurance covered the claim made against the business.

  • Public liability

    A kitchen fitter was fitting cupboards and accidentally knelt on a client's new electric hob, causing it to crack.

    Public liability insurance covered the claim for a replacement hob and fitting costs.

  • Public liability

    A commercial carpet cleaning company was cleaning an office carpet when the heat was too high, which shrunk and discoloured the carpet.

    Tradesman insurance covered the compensation claim for a new carpet and fitting costs.

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 limits of indemnity 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 of indemnity 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.

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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.

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