Builders Insurance

Builders Insurance

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Building is one of the riskiest land based industries. Accidents are common and if you’re a self employed contractor or run a business you could be liable to a range of risks. Having the right insurance is essential to protect your business and your livelihood. 

At Brisco Business we specialise in finding bespoke insurance policies for people and businesses in many different industries. You can use our quote tool to search the insurance market for comprehensive insurance policies to protect you against all the risks you may face.

Compare quotes with Brisco Business now and find a policy with covers to meet your needs.

We partner with some of the UK’s most trusted builders insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

Brisco Business Insurance Selector

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Where do you mainly run your business from?

You should make sure the policy you choose meets your demands and needs during the quotation process.
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Why do I need Builders insurance?

Building has a unique set of dangers and although you may take every precaution possible, you can’t avoid the risk of accidents altogether. As a builder you will be financially liable for any damage or injuries caused because of mistakes you’ve made. Without adequate insurance, some of the risks you face could make it impossible to continue doing business. 

How much cover do I need?

Not too much and not too little is the watchword. As a builder you will be exposed to a host of risks. You’ll need to make sure you have full and adequate cover in place for each of these. At the same time, though, you don’t want to pay for more than you need to. Profit margins are tight. Business is competitive. Anything which can drive down your costs of doing business will be welcome.

Are there any exceptions?

Some insurers will limit the amount they cover. Make sure you have calculated to real value of you equipment to make sure you’re fully covered for all repairs or buying a replacement if necessary

Can I reduce my builders insurance premiums?

Sometimes. Different insurers will have their own policies on price, depending on the level of cover you take out. You may pay a lower premium if you can demonstrate a track record of not making a claim. The company may regard you as a lower risk proposition. Shopping around can reduce your overall costs while help from experts can give you a tailored policy to suit your needs, with no baggage. In other words, you won’t be paying for cover you won’t need.  Get a quote with Brisco Business now to find a policy which meets your needs. 

What if I employ people?

As with other businesses you will be required by law to take out employers liability insurance to cover any injuries your employees suffer while on site.

I have an office, will this be covered?

No. Builders insurance is designed specifically for you and the work you do. If you have an office you may need a separate office or buildings insurance policy to make sure you are covered for any damage such as fire, flood, theft or accidents. 

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