Builders Insurance

Marsh’s exclusive insurance solution provides comprehensive cover to builders working throughout the UK.

Get a quote 0330 037 4409

Builders Insurance

Marsh’s exclusive insurance solution provides comprehensive cover to builders working throughout the UK.

As one of the world’s leading insurance brokers, we have many years’ experience of supporting tradesmen and contractors working in the building industry. We understand the risks and challenges you face and have developed an insurance solution that forms an important part of your builder’s toolkit.

You wouldn’t think of starting a job without the right equipment. Arranging insurance for your business is no different.

Knowing you have the appropriate cover in place at the right price means you can focus on what needs to be done on site, without having to worry.

Our Business Insurance Includes:

Cover Options:

  • Public liability.

  • Employers liability.

  • Subcontractor liability.

  • Contract works.

  • Plant.

  • Vehicles including directors’ cars.

  • Stored materials.

  • Tools in transit.

  • Groundwork risks.

  • Completed dwellings awaiting sale.

  • Environmental clean-up.

Enhanced Features:

Public liability:

  • No depth limit.

  • No “failure to perform” exclusion.

  • No underground services conditions.

  • No heat condition or warranty.

  • No hidden premium adjustments on wages paid at year end.

Employers liability:

  • No height limit.

  • No hidden premium adjustments on wages paid at year end.

Plant:

  • Extends to include plant on free loan.

  • Loss of hiring charges for 180 days.

Completed dwellings:

  • Cover for completed private dwellings awaiting sale including show house contents.

*As with all insurance policies, terms and conditions apply. Contact us for full details.

To find out more about builders insurance, or to request a quote, contact us today and speak with our team of experts.

Builders Insurance from Marsh

By opting for builders insurance with Marsh, you will have peace of mind knowing you’re working with a highly reputable company with a focus on providing quality customer care.

Whether you’re a one-man band or you manage a business, we offer wide-ranging protection in a single insurance solution. When you contact us we’ll discuss with you the elements of cover that are essential to the running of your business – so you get the cover you need and are not paying for the things you don’t.

We are here for you during the lifetime of your policy. Our team of experts will be on hand to help you with any queries, problems or issues you may have, and to provide support should the unfortunate happen and you need to make a claim.

Get a quote 0330 037 4409

 

The Importance of Business Insurance for Builders

Builders work in a high risk sector, so comprehensive insurance is essential. The nature of your work, along with the equipment and materials you use on a daily basis, hold potential dangers for you, your staff or subcontractors, and the general public.

Amongst those dangers are falling tools or masonry that could potentially cause harm to people or damage to vehicles, accidentally drilling through water pipes causing major damage, and furniture or flooring becoming damaged or stained due to heavy equipment or corrosive materials.

Businesses and individuals may refuse to hire building firms that don’t have the appropriate level of insurance, therefore it’s essential that you have the level of protection that’s in keeping with the work you do.

We can include protection for your vehicles and plant, including the items you hire or loan in or out. We provide broad-ranging cover for loss or damage to your property, contract works, and materials on site. There are even solutions for timber framed properties in the course of construction.

We want to help make sure that if the unexpected happens, we’ve considered the details that can be easily missed – like covering the cost of repairing damaged underground services or cleaning up after an incident that pollutes or contaminates the environment.

Central Insurance Services Limited, a wholly owned subsidiary of Marsh Limited, is registered in Scotland (No. 100053) at Crown House, Prospect Road, Arnhall Business Park, Westhill, Aberdeen AB32 6FE.
Central Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 308762).

Related FAQs

See all FAQs

IS CENTRAL INSURANCE SERVICES REGULATED?

Central Insurance Services Limited, a wholly owned subsidiary of Marsh Limited, is registered in Scotland (No. 100053) at Crown House, Prospect Road, Arnhall Business Park, Westhill, Aberdeen AB32 6FE. Central Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 308762). Marsh Ltd is registered in England and Wales Number: 1507274. Registered Office: 1 Tower Place West, Tower Place, London EC3R 5BU and is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 307511).

WHAT INFORMATION WILL YOU REQUIRE REGARDING MY BUSINESS?

To allow us to understand your needs, provide advice, and recommend an insurance solution, you will need to provide specific information regarding your business and property, including any tools you use or stock you may want to insure. We will guide you through what is needed when you contact us. It would also be useful to have any previous insurance details to hand, including policy details and any renewal documentation.

DO YOU VISIT MY BUSINESS WHEN PROVIDING A QUOTATION?

In most instances there will no requirement to visit you in person to arrange a policy, as we discuss your requirements and the quotation over the phone. The insurance we arrange is based on a number of factors including your premises, employees, equipment, and stock ‒ therefore we will help guide you on the factors that may affect your insurance quotation, however it is important you tell us about anything you feel may be relevant. In addition, the information you provide should be accurate and honest.

MY INSURANCE IS NOT YET DUE FOR RENEWAL, CAN I GET A QUOTATION?

As both your requirements and insurers may change over time, quotes are only valid for a particular period of time, typically 30 days. Therefore it is best to obtain a quotation within this time frame from your renewal date. You can leave your details with us and we will call you when your renewal date is due to discuss your insurance requirements.

I HAVE PREVIOUSLY CLAIMED ON MY BUSINESS INSURANCE, CAN YOU STILL COVER ME?

We consider all businesses on a case-by-case basis. Having a previous claim may not necessarily mean you can’t be covered, therefore please contact us to discuss your insurance requirements and claims history.

WHAT IS INSURANCE PREMIUM TAX (IPT) AND HOW MUCH IS IT?

IPT is a charge levied by HM Revenue and Customs, which is currently 10% for business insurance policies.

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