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INSURANCE FOR BUILDERS

Rhino Trade Insurance provides a range of valuable builder insurance policies, whether you are a bricklayer, ​painter/decorator or carpenter.

At highly competitive premiums, our builder's insurance can provide you with the insurance you need to get on with your trade.

WHY CHOOSE YOUR BUILDER’S INSURANCE FROM RHINO TRADE INSURANCE?

When you choose builder's insurance from Rhino you can rest assured that you buy only the insurance that you need.  Cover can be provided for multiple trades and business activities, but we will not try to sell you a package of insurances that may not be of use to you. We keep our costs low with monthly or annual payment options.

Your policy documents will be issued immediately on purchase of your insurance and access to the full policy information will be in your online account. If the need arises and you want to speak with us, you will find our UK telephone support most helpful.

DO YOU NEED BUILDER’S INSURANCE?

Yes, insurance for builders is ​very important. The nature of work that builders do can often mean that the environment can be very risky.  Accidents can and do happen and whilst you may be careful and hope that nothing happens to you, having insurance in place is always advisable.  Imagine not having insurance in place and you became injured, how would you support yourself financially? What happens if your customers claimed compensation from you for work carried out in their property that went wrong? Could you pay the costs and expenses?  What about the legal costs if one of your customers was injured?  

BUILDERS INSURANCE COVERS

  • Bricklayers Insurance
  • Builders Insurance
  • Carpenters Insurance
  • Joiners
  • Ceiling, Partitioning and Dry Lining Contractors
  • Conservatory and Porch Erectors
  • Dry Stone Wallers
  • Fencing Contractors
  • Painters and Decorators
  • Path, Patio and Drive Layers
  • Plasterers
  • Artexers
  • Roughcasters
  • Pebble Dashers
  • Garage and Shed Erectors
  • Garage Door and Gate Fitters

POPULAR POLICIES FOR BUILDING CONTRACTORS

Damage to a customer’s property - For those builders who are self-employed, it is recommended that you are covered by builders public liability insurance. This insurance will cover you against injury or damage to property which may have been caused by you whilst carrying out your work.

Tools damaged or stolen from your vehicle - Without tools, builders may not be able to carry out their job and as a consequence income may be affected. Tools in transit insurance is ideal for tradesmen who regularly carry tools in their vehicle, as this insurance covers the cost of repair or replacement.

Example Builder Quote

Sole trader builder with an annual turnover between £25,001 - £50,000

Public Liability
£1,000,000
Employers Liability
Not included
Tools Cover
£2,500

COST OF COVER

£15.92 /MONTH OR £191.08 /YEAR

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OTHER BUILDING CONTRACTOR INSURANCES

Legal risks, health & safety prosecutions and jury service - As a self-employed builder you may encounter a number of legal risks. These may be health & safety risks or debt recovery.

With legal expenses insurance in place, you can get the defence you need without worrying about the cost. If you are called for Jury Service this insurance will cover your loss of income.

An enquiry into your tax affairs - This can happen at any time, especially as HMRC now has ‘Connect’, software to easily cross-reference various government databases. The purpose of Connect is to highlight any income inconsistencies which is often caused by undeclared income.  Whilst your business may have done nothing wrong, this does not stop HMRC from enquiring into your tax affairs. Tax enquiry insurance is able to cover accountants’ fees. You can also have an expert to defend your case.

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TALK TO AN EXPERT

Our team of experts are available to talk to Mon-Fri 08.30-17.30 and Sat 10.00-14.00

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