Builders' Insurance

Tradesman / Public liability insurance is essential for builders. Cover yourself against costly compensation claims.

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Builders' Insurance

Our Builders' Insurance provides essential cover for self-employed builders and small construction businesses. 

Take cover now

Accidents leading to damaging legal claims from members of the public can - and do - happen to anyone. Any business that involves visiting people's homes or other properties should therefore obtain adequate  public liability insurance . It is especially essential for builders to insure themselves against expensive claims, which can have potentially catastrophic consequences for their business.

Why builders' public liability is a must

Due to the nature of their work, the equipment they operate and material they use, builders can find themselves facing expensive legal claims for any number of reasons. Some of the most common involve:

  • falling tools or masonry from a site, which injures a pedestrian or damages a vehicle
  • flooring or furniture becoming stained or otherwise damaged by the builder's use of corrosive materials or heavy equipment
  • drilling through unexpected water pipes, causing major damage 

Our builders' public liability insurance covers you from such claims from members of the public or customers, where they arise out of the actions of your business.

Broaden your client base with construction company insurance

A large number of reputable organisations, alongside many well-informed customers, will simply refuse to hire a builder without public liability insurance. Many will not even admit an insured contractor onto their site. Failing to obtain cover could therefore hit your pocket directly by limiting the business opportunities you can take up.

Why choose NatWest's Builders' Insurance?

NatWest provides builders with public liability insurance that includes up to £1m public liability cover as standard. In addition, our employers' liability cover will insure you against claims from your employees or subcontractors. The standard policy also covers your tools and business equipment for up to £10,000 per employee. Many additional options are also available, depending on the nature of your business and your specific requirements.

Get a tailored builders' public liability quote

Every business involves a unique range of risks and liabilities. To help us understand your business and to explain your requirements, call one of our specialists on 0800 051 4199 or get a quote online.

Key covers to consider

If your construction company hires any employees (including apprentices), you are legally required to obtain Employers Liability Insurance. Find out more in our article,  ‘What is Employers’ Liability Insurance?' '.

If you give advice to clients, you may also wish to consider taking out Professional Indemnity Insurance.  ‘What is Professional Indemnity Insurance’  explains this cover and how it can help certain businesses. 

Could you save money on your van insurance? Take a look at our  van insurance policy  and get a quick quote today.

Why insure with NatWest?

As a business bank, we work closely with a wide range of businesses. This helps us understand how you work and the challenges you face. So you can be sure we'll take the time to get to know your business, and try to provide the right level of cover.

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* Please note, if you select a Bank Holiday, we will call you on our next working day.
Our operating hours are 09:00 to 19:00 Monday to Friday, excluding bank holidays.

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