Kingsbridge Insurance
Builder’s Insurance
Find comprehensive builders insurance that includes all the essential protections you need, right here at Kingsbridge. We’ve designed a full trades policy package that provides complete insurance coverage for building contractors and small to medium-sized building companies.
Sounds like something you need?
Find reliable builder’s insurance in a few easy steps
We know that finding the right insurance for builders gives you peace of mind to confidently do your job properly. Without it, you’re at more risk of fines, legal claims, and having to pay for things out of your own pocket. That’s why we make sure you’re protected against any possible damages, compensation, or claims against your building business.
We make getting your insurance as easy as possible with a complete package of cover, including:
- Public Liability – We can cover up to £5million for injury or damage caused to third parties while you’re on site.
- Employers’ Liability – Keep your business protected from claims if your employees are injured or fall ill due to work (a legal requirement in the UK).
- Goods and Tools – Included as standard, ensuring your tools are protected from theft or damage. We know that if you don’t have your tools, you can’t get the job done properly.
- Contract Works (optional) – We can cover projects against accidental damage like fire or vandalism while under construction
- Professional Indemnity (optional) – This includes cover for claims related to negligence in professional advice, design, or consultancy services
We provide insurance for a wide range of sectors, whether you’re looking for construction insurance or engineering contractor insurance.
Get your quote today
Ready to get your quote? Just follow these easy steps:
Step 1: Tell us about your business
Step 2: Customise your cover, ticking which options you need
Step 3: Request your quote
Why choose Kingsbridge for your builder’s insurance?
Here at Kingsbridge, we understand the unique challenges builders can face, whether you’re bricklaying or dealing with a tricky extension. That’s why our insurance is designed to provide all-round protection, so you can focus on the job at hand. Here’s why thousands of builders trust us:
✔️ Quick quotes and coverage – Get covered in a matter of minutes
✔️ We include tools cover as standard – Unlike other providers, we offer Goods and Tools cover as a standard part of your policy, protecting what matters to you most
✔️ Get tailored cover for your trade – Whether you’re a sole trader or managing a small team, our policies can be customised to meet your specific needs
✔️ Great customer ratings – Our builders trust us. Join hundreds of satisfied customers who have rated us one of the top providers for tradespeople in the UK
Proper insurance for builders - everything you need in one policy
We make sure our insurance policies have everything a builder might need, so you’re ready to get on site. We’ve included everything listed below, at a great price, so the last thing you need to worry about is spending a fortune:
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Public Liability
Public Liability
Provides cover when a third party is injured or their property is damaged due to the actions of a limited company contractor or business. Having Public liability insurance will cover the costs of any damages awarded, as well as any related legal fees, costs, or expenses.
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Goods and Tools
Goods and Tools
Protects the items in transit against damage, misdelivery and accidental delay under a ‘Hire & Reward’. Tools cover protects against damage and loss for Tools in the way of payment for replacing items new for old based upon purchase value. £2,500 of cover as standard, limits available up to £20,000.
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Employers' Liability
Employers' Liability
Covering any injury to an employee. £10,000,000 any one claim limit with no facility to alter/remove.
Optional Covers
In addition to our core product, we offer these additional covers, to ensure you have the most appropriate cover for your work.
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Hired in Plant
Hired in Plant
Cover for constructional plant tools (larger than hand-held tools) hired in by the primary insured against damage and theft from site or storage in the UK.
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Owned Plant
Owned Plant
Cover for constructional plant tools (larger than hand-held tools) owned by you or/for which you are responsible for against damage and theft from site or storage in the UK.
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Contract Works
Contract Works
Covers you against anything included in the contract of works being damaged before the hand-over of works.
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Professional Indemnity
Professional Indemnity
Protects you from the financial consequences of professional negligence. This includes giving bad advice to making a mistake during your work. This policy will cover your legal defence costs and any damages awarded to the claimant.
Builder’s Insurance FAQs
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Are builders legally required to have insurance in the UK?
Although public liability insurance isn’t legally required by UK law, many clients and contractors will refuse to hire a builder who doesn’t have it. If you employ builders, then employers’ liability insurance is mandatory by law. We explain more about employers’ liability in our expert guide.
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Why do builders need proper insurance?
There are plenty of important reasons why you need proper builder’s insurance, including legal compliance, complete peace of mind, and protection from accidents. It can also help you win more contracts. At Kingsbridge, we prioritise proper, full-coverage insurance, so you can get on with your job without worrying “what if”.
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Can I get additional cover options?
Yes, absolutely. We believe your insurance policy should be as flexible as your work. That’s why we’ve got a range of additional cover options to suit the risks of your trade. Our optional covers include:
- Hired-In Plant insurance
- Own Plant insurance
- Contract Works
- Professional Indemnity
Get in touch with us for more information.
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What does public liability insurance cover for builders?
Public liability for tradespeople can cover accidental damage to properties, injury to third parties, and damage to your public property. We explain exactly what public liability insurance is for trade contractors in our handy blog.
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What if I’m a self-employed builder?
If you’re a self-employed builder, you’re likely legally exempt from employers’ liability if you work completely alone. However, the moment you take on an apprentice or casual labourer, even for a day, holding employer’s liability becomes a legal requirement. You might also want public liability as you could be held solely responsible for damage or injuries.
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How do I make a claim on Builder’s Insurance?
If you need to make a claim, we want to make it as easy as possible. That’s why we have a dedicated claims team you should contact immediately, explaining your situation and attaching any supporting evidence. We’ll support and communicate with you throughout the process.
