Insurance for Builders

Protect your business with builders insurance shaped around the way you work.

From public liability and employers’ liability to contractors all risk cover, CHAS Insurance helps builders and contractors stay compliant, protected and ready to tender for work.

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Tailored Cover for UK Trades & Contractors

Rapid Claims Support, 24/7

Transparent Pricing & No Hidden Fees

Insurance for Builders

Builders operate in one of the highest-risk sectors in the UK.

A single incident, whether that’s an injury on site, property damage or a client dispute, can quickly escalate into a serious financial issue.

Insurance isn’t just a safeguard. In many cases, it’s essential to operate.

If you employ anyone, even on a labour-only basis, employers’ liability insurance is a legal requirement. Without it, fines can reach up to £2,500 per day.

Alongside this, most contractors and clients will require proof of public liability insurance before work begins.

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Building Contractor Insurance

No two building businesses operate the same way.

Your risks depend on the type of work you take on, the size of your projects and how your workforce is structured.

Whether you’re carrying out refurbishments, extensions or large-scale builds, your insurance should reflect how you actually operate.

We regularly support contractors working with a mix of employees and subcontractors.

One of the most common issues we see is incorrect cover around labour-only subcontractors, who are often treated as employees for insurance purposes.

Getting this wrong can leave you exposed.

We’ll ensure your policy is structured correctly, so you stay compliant and fully protected.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Builder Insurance Cover?

Contractors All Risk Insurance

Protects work in progress against events such as fire, flood, theft or accidental damage.

If something goes wrong before handover, this ensures you’re not left covering the cost of rebuilding or repairing completed work.

Tools Cover

Covers loss, theft or damage to your tools and equipment.

Many builders underestimate the value of their tools until they need to replace them. This cover ensures you’re not left out of pocket.

Plant and Machinery Insurance

For contractors using owned or hired plant, this covers damage, theft and liability arising from its use.

Commercial Legal Expenses

Covers legal costs linked to disputes, including employment issues and contractual

disagreements.

Often overlooked, but increasingly important as contracts become more complex.

Supporting Accredited Contractors

We regularly work with contractors accredited by schemes such as:

CHAS

Constructionline

SafeContractor

Each comes with specific insurance requirements.

We understand what’s needed and ensure your cover aligns with these standards, so you remain compliant and able to tender for work.

Get a Builders Insurance Quote

If you’re a builder or contractor looking for reliable, specialist cover, we can help.

We arrange insurance for sole traders, growing contractors and established firms across the UK, always structured around how you actually work.

Speak to our team today for a tailored quote and clear advice on the cover you need.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is builders insurance a legal requirement?

Employers’ liability insurance is legally required if you employ staff or labour-only subcontractors.

Other covers, such as public liability or contract works, aren’t mandatory by law, but are often required by clients and contractors.
Can I cover multiple projects at once?

Yes. Policies can be structured to cover multiple sites and ongoing work across the year, rather than arranged per project.

This is typically more efficient and cost-effective for contractors with regular work.
Does this cover design and build work?

Not by default.

If your contracts include design responsibility, you may also need professional indemnity insurance. We can assess this and arrange cover alongside your main policy.