Builders liability Insurance

If you are a builder then you will appreciate the need for builders liability insurance to protect yourself and your business against any liability claims made against you for property damage or injury caused during the course of your occupation. As a broker we search around our panel of insurers to find you the cheapest premium and provide you with a comparative quote from each one based on premium, excess and the terms relating to the policy.

By trading online we are able to cut the costs of overheads and apply discounts which normally wouldn't be viable. Ultimately this means you pay less for your policy while still receiving the comprehensive cover you would expect for your builders liability insurance policy.

You may be wondering what sort of circumstances would warrant the requirement of liability insurance for a builder. The following highlights some potential claims:

Whilst carrying equipment into the property you accidentally knock over a vase which smashes. You may be held liable for the cost of repairing of replacing this item.
You are working on a ladder and drop a tool which lands and damages someones property.
You leave a tool box on the ground which someone trips over and injures themselves holding you liable.

As you can imagine, the costs associated with these potential claims can be substantial which is why it simply doesn't make sense not to have a liability policy in place since the cost of a policy for a builder is so small.