Building Contractors Insurance

Building Better Cover

Owning your building contractor business can be a challenging task. Overseeing the schedule of building works to maximise efficiency and deliver high quality output requires great skill. Benefit from our simple, effective approach to building contractors insurance.

Buildings Insurance on Firm Foundations.

Let Plan ensure your team is fully protected and each risk has been appropriately considered. Keep your business building with Plan’s effective approach to building contractors insurance.

You will benefit from:

  • Competitive premiums from an open market of insurers
  • Free risk management  health and safety templates, method assessments, business continuity plans and more – at no extra cost to your policy
  • Expert guidance based on over 30 years’ experience
  • Multi award winning customer service

Call us on 0800 954 0778 to speak to one of our specialist advisors or request a call back.


  • General builders
  • Specialist trades
  • Firms of all sizes
  • Difficult to place risks


Below we have compiled some commonly asked questions that explain the key features of Building Contractors Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.

If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.

What Building Contractors Insurance do I need legally?

It is  legal requirement as an employer that you have an employers’ liability policy in place. Failure to fulfil this obligation by your business can result in a fine of up to £2,500 each day you are without the appropriate insurance. You must display your insurance certificate within your business or you could risk being fined up to £1,000.

Plan also have a host of insurance solutions for the commercial motor vehicle cover that you and your employees will require to drive legally on UK roads for business purposes.

There are a number of other protections that we feel it would be prudent for your firm to consider. Professional indemnity, public liability and directors and officers cover to name but a few,

If your building business transports high value equipment then you will need to think about a policy that covers these assets whilst in transit and once they are being stored, either in an office, yard and potentially even in a vehicle.

What insurance cover do I need when transporting tools?

You may want to considers tools in transit insurance if you are carrying equipment in your vehicle. You will need to establish the value and nature of the equipment as well as the security of your vehicle goods in transit insurance.

Client risk assessment tools

As a builder you know the know the importance of foundations. Having the appropriate building contractors insurance in place along with correct, up to date health and safety documentation is just as crucial. It will help you minimise the risk and liabilities that can take a huge hit on your companies’ reputation and income.

We can now offer our building clients personalised health & safety documents, risk assessments, method statements and much more for your business. These additional documents are supplied to you at no extra cost when you take out a policy with Plan.

Our free service includes business continuity templates that can be updated annually. Use them as a guide and keep on top of your business operations. You will also receive regular notifications regarding business legislation changes that are relevant to your building firm.

Other products you may be interested in

Employers‘ & Public Liability

Goods in Transit

Motor legal cover – Provides assistance to recover uninsured losses such as excess or loss of earnings.

Breakdown cover

Your vehicles can be covered in the event of a breakdown, benefits to this cover include:

  • Roadside Assistance
  • Roadside Start
  • 24-hour cover for the whole year (365 days)


Excess Protection

When taking out a policy with Plan, we can offer you excess protection cover as an add on to your policy. If an accident were to happen and there was no responsible third party, then you would be covered by this policy which will reimburse the excess you would pay.

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