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Builders Liability Insurance

Whether you’re just setting up your sole trader business or limited company or you’ve been working in construction for years, you should know that having the right builder’s insurance in place is vital to ensure that your business operates successfully and compliantly. Builder’s liability insurance is one of the most important things to consider when you’re in construction, so let’s look at why this is and how you can get yourself covered.


Why do you need builder’s liability insurance?

You need Builder’s Liability Insurance because without it, you’d have to pay out for damages and compensation out of your own pocket.

Working as a builder brings with it so many potential risks and dangers that can cause accident or injury at any time. Whether you’re working in a customer’s home or on a building site, being aware of the potential hazards around you is very important. Taking safety precautions is obviously your first line of defence in ensuring that you are safe in your work, but no amount of preparation can prevent accidents and incidents occurring. And when they do, a costly legal claim is usually not far behind.

Taking out Builders Liability Insurance will be your safety net for those times that something does go wrong. From an injured passer-by to a customer’s smashed window – to even the worst-case scenario of accidental death – you can rely on Public Liability Insurance for builders to pick up the pieces.


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What is builder’s liability insurance?

Public Liability Insurance for Builders is a type of builder’s insurance coverage that protects you against the financial impact of the common hazards and risks you face while on the job.

Although as a builder, you take pride in the work you do – and aim to always operate at a high standard – accidents happen to people, and stuff gets damaged. In these cases, having the right insurance in place is vital.

Enter Public Liability Insurance for builders from Rhino. This policy provides cover for your business in cases of claims made against you following adverse events such as a customer or member of the public being harmed, or having their property damaged as a result of your business operations. 

An example of this would be someone tripping on one of your tools and injuring themselves, or you accidentally smashing a customer’s window with a ladder. The injured and aggrieved parties are going to want compensation, which a builder’s Public Liability Insurance will cover.


What will Builders public liability insurance cover?

Builder’s Public Liability Insurance will cover you in cases where a third party brings a claim against you for injury, illness or property damage they have incurred as a result of your business activities. 

Public Liability Insurance payouts will cover things like court costs, solicitors’ fees, medical bills, compensation payments and the cost of rectifying any damage. Unsurprisingly, this can add up to a seriously high sum – and explains why Public Liability Insurance indemnity limits are well into the millions.

With Rhino, you will benefit from:

  • £1M, £2M, and £5M levels of cover available
  • Option to add Employers’ Liability cover
  • Starts at just £8.50 per month
  • Optional cover for multiple trades/business activities
  • Instant cover with documents immediately
  • Monthly or annual payment options
  • UK telephone support



What will builders’ public liability insurance not cover?

Builder’s Public Liability Insurance won’t cover accidents that your employees have, or any damage to their property. If you are an employer, you will have to take out a separate policy, Employer’s Liability Insurance, to cover them.

Further, Builder’s Public Liability Insurance won’t cover any accidents you have while on the job causing bodily injury. To protect yourself against the fallout of personal accidents, you’d need Personal Accident Insurance and/ or Income Protection Insurance as well.

If you’re working on a construction project, remember that the partially-completed structure won’t be covered under Builder’s Public Liability Insurance. You’d need Contractor’s All Risks Insurance for this, which would also cover plant and equipment.

Finally, Builder’s Public Liability Insurance won’t cover damage to your property or tools. For this, you’d need Tools in Transit cover.

All of these policies can be added to your personalised policy bundle through Rhino.

For full details of exclusions, be sure to read the Policy Wording document thoroughly.


Benefits of builder’s liability insurance

There are several benefits of having builders’ liability cover in place. The first and most obvious benefit is that you will be protected financially from the huge variety of legal claims that could come your way.

The other main benefit is that your business’s reputation will be enhanced by being able to advertise that you are fully insured. For anyone working in the building and construction trade, being able to prove that you have the right liability insurance in place adds value to your service and can help attract new customers, as well as larger contracts with organisations and companies.

Being able to show that you have put the right procedures in place to protect your business should something go wrong offers potential customers absolute confidence and reassurance that your business is operating compliantly.


How much does builder’s liability insurance cost?

We at Rhino Trade Insurance offer liability insurance for builders at a very competitive price. 

Our premiums start at less than £8.50 per month and offer full comprehensive cover for anyone operating in the building and construction trade. 

Your exact quote will be based on factors unique to your business, such as its size, number of employees, annual turnover and the type of building work you carry out. The best way to get an idea of what your premiums will be is to head to our quick quote engine or give us a call on 0115 350 1546.



Why choose Rhino?

Rhino takes pride in our low-cost insurance premiums and we are proud to say that we offer cheap builders liability insurance that doesn’t compromise on quality of coverage. The cost of your construction liability insurance premiums should not be something that breaks the bank, and by choosing Rhino you can purchase insurance confidently in the knowledge that you are getting quality cover at a great premium.

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