Builders Insurance

Builders’ insurance provides a range of optional covers created to protect against the risks most often experienced by builders, such as:

Injury – You’re working on a building project when part of an unstable wall you are repairing collapses and injures a passerby. Another scenario could involve a client being injured when visiting your building site.

Property damage – You’re carrying out repair work in the loft of a client’s home. You accidentally put your foot through the floor, causing damage to the ceiling in the room below.

Tools and trade materials theft or damage – You’re working on a project in an area you’re not familiar with. You park your van around the corner from the site your working on. A little later when a parking space becomes available closer by, you head back to your van to park it closer, only to find that the rear van door has been broken into and your tools have been taken. This stops you from being able to complete the tasks you had planned to carry out that day.

At Caunce O’Hara we offer you the ability to customise your insurance to meet your own industry-specific needs. If you just want builders public liability insurance to cover you for potential accidents to members of the public or damage to a client’s property, that’s fine with us. If you want protection for other incidents such as cover for your employees, work accidents, or negligence claims, then we can help you with that too. We have a range of covers available to suit most trades-specific needs.

Caunce O’Hara are specialists for trades insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

By completing our simple online quote form you can get a quote in as little as 90 seconds.

Affordable protection

We have always strived to provide value for money for our clients. Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Looking after our customers has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and freelance contractors, which enables us to provide the cover you need.

The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our trades public liability insurance for builders starts from as little as £132.50 for £1miliion of annual cover for a residential builder’s policy, which we think represents real value for money.

As well as builders public liability insurance, we offer a range of insurance covers for your individual circumstances, including:

• Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
• Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
• Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
• Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
• Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
• Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
• Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.