Skip to content

Construction company insurance

Compare construction insurance quotes


Compare construction insurance quotes from UK insurers such as:

company logo for ageas-110company logo for aig-110company logo for axa-110company logo for chiswell-110company logo for finsbury-110company logo for hiscox-110company logo for maltings-110

What is construction insurance?

Construction insurance is the name given to a bundle of different types of business insurance  specific to construction companies. It’s also known as builders’ risk insurance or course of construction insurance.

Construction comes with some unique risks – however careful you are about safety, there’s still always the possibility of an injury on a building site, or there could be a fault with your work that only becomes visible down the line. There’s also a chance your tools or equipment could be damaged or stolen. A good construction insurance policy will protect you against a whole host of things that could go wrong on a building site.


How does construction insurance work?

Construction insurance works by combining some of the different kinds of insurance that would be most useful for businesses in the construction industry – including builders, architects, and general contractors.

When you take out construction insurance, you can choose your level of cover, which is the amount you’ll be insured for against any claims. Businesses with a higher turnover or more employees will usually need more cover. You’re also likely to need more cover if you’re working in an especially risky area of construction, where there’s more danger of an accident or injury. A higher level of cover means higher premiums, so make sure you pick the right policy for your business.


What insurance do construction companies need?

Every business is unique – but a good construction insurance policy should cover you against all the major risks of the trade. Here’s what should be included:

  • Employers’ liability insurance

    If you have any employees, this is a legal requirement. It keeps you covered in case anyone suffers an injury as a result of the work they do for you

  • Public liability insurance

    On a building site, there’s always the risk that a passerby could be hurt, or you might damage someone’s property. This protects you against any extra costs if that happens

  • Professional indemnity insurance

    If a client suffers losses as a result of work you’ve carried out, professional indemnity insurance will protect you against any compensation claims

  • construction-insurance

    You’ve invested a lot of money in your tools and equipment. Tool cover makes sure you won’t have to replace them yourself if you’re lost, damaged, or stolen

What does construction insurance cover?

With construction insurance, you’re protected against many of the dangers that come with working in construction – but there are some exceptions. Here’s what you’re covered for:

  • Tick

    What’s included

    • Accidents and injuries: You’re protected if someone is injured on site, whether it’s one of your employees or a member of the public. You can also protect yourself with personal injury cover

    • Faulty work: If there’s a problem with your workmanship, insurance has you covered. Your insurer will pay out for any claims for professional negligence, breach of contract, or faulty products

    • Tools and materials: Tools can be valuable, and there’s always the risk that they could be lost, stolen, or damaged. Your insurance will pay for replacements, and this can even include hired tools

  • Cross

    What isn’t

    • Malicious damage: If it’s found that you or one of your employees deliberately caused damage, or intentionally injured someone, your insurer will usually refuse your claim

    • Costs beyond your cover: For example, if a court orders you to pay £10 million in damages, but you’re only insured for £5 million, and your insurer won’t pay out the full amount – that’s why it’s crucial to get the right level of cover

    • Your excess: All insurance comes with an excess – that’s the amount you’ll have to pay yourself towards any claim. A bigger excess usually means cheaper premiums – just make sure it’s an amount you’ll be able to pay 

Sean Thompson

Our expert says


The construction industry has inherent risks and while some are obvious, others are less so. Having the right level of construction insurance in place will help you mitigate the financial cost should an unfortunate event occur such as an accident or property damage on a job your firm is working on. Some insurance will be mandatory and other insurance optional, so fully research what your company needs before you apply.

- Sean Thompson, Insurance Expert

Compare construction insurance

Comparing business insurance quotes with MoneySuperMarket and our preferred partner SimplyBusinessis the easiest way to find an affordable deal on cover. Here's how it works:

  • Tell us about your business

    Let us know about your business, who you employ, and how much cover you need, and we'll find deals tailored to your requirements

  • Compare deals

    You’ll be able to compare your offers by cost, level of protection, and any extras you might find useful 

  • Choose the one you like

    Once you’ve found a deal you like, simply click through to the provider – they’ll take it from there