Reasons to rely on Churchill for Builders Insurance
- £1 million cover as standard – you can increase it to £10 million
- Up to £10,000 cover for your valuable tools and business equipment
- Protect your staff with Employers’ Liability Insurance
- Make your insurance work for you with our range of optional extras
- Access to our 24/7 legal helpline
- Personal accident cover up to £10,000
What is Builders Insurance?
As a builder, you have to manage risks every day.
Accidents on site, lost or stolen tools, and legal claims for compensation can all be very costly.
With Churchill, you get reliable, flexible cover for all aspects of your business.
You can tailor your cover to suit your needs and get insurance that works for you.
Choose from a range of optional extras linked to our standard cover, which is Public Liability Insurance.
Public Liability Insurance
Public Liability Insurance isn’t legally compulsory for builders but most people in the industry think it’s essential.
Public sector organisations and large companies are unlikely to work with an uninsured builder, so you could miss out on valuable work if you’re not covered.
Having Public Liability Insurance means you’re protected if you or an employee accidentally injures a member of the public or damages their property.
Our Public Liability Insurance offers you up to £1 million of cover as standard, with the option of increasing it to up to £10 million.
Tools and business equipment cover
How would you cope without the tools of your trade?
You can cover your valuable tools and business equipment up to £10,000 as an optional extra for added peace of mind.
Our tools cover includes mobile phones and laptops.
Don’t forget your van
Most tradesmen would be lost without their van.
Get cover for your van if you use it to carry your tools and equipment to work.
Churchill van insurance is arranged and administered by our partner Brightside Insurance Services ltd
Make your policy work for you
Tailor your cover with our optional extras.
Public Liability Cover up to £10 million
Protection against claims for injury or property damage by clients or members of the public. You can increase our standard cover to up to £10 million.
Employers' Liability Cover
The law states you must have Employers’ Liability Insurance if you hire anyone, including apprentices. Add up to £10 million cover to your policy.
Tools and Business Equipment Cover
You can cover your valuable tools and business equipment up to £10,000 for added peace of mind. Our tools cover includes mobile phones and laptops.
Personal Accident Cover
Insure named people in your business, aged 16‐75, against personal accidents. Add death benefit up to £10,000 (weekly benefits up to £100).
Contract Works Cover
Get up to £750,000 cover for work that’s underway on a site. It can cover the cost of repairing or re-doing the work that’s in progress if it’s damaged by an insured event like fire or flooding.
Business Stock Cover
Protection if your business stock is damaged or stolen, with cover up to £25,000.
Own Plant Cover
£75,000 cover if your own plant is damaged or stolen. It includes temporary buildings and site huts.
Hired-in Plant Cover
Protect your hired-in plant from damage or theft. Get cover for any one item up to £20,000 (the maximum sum insured is £75,000)
Cover for Temporary Employees
Insure temporary employees or bona-fide contractors hired by your business.
Get into the detail
You can read our Tradesman policy documents below.
These are standard documents that might be different to the ones you received when you took out your policy.
Log in to your account to find your individual policy documents.