Builders Insurance

BUILDERS INSURANCE:

You’re a self-employed builder - maybe you even have your own small firm - and you can turn your hand to most types of work. You pride yourself on getting jobs done well and done quickly.

In short, you know what you’re doing. So why would you want builder insurance? What could wrong?

Quite a lot as it goes. No matter how experienced you are, accidents happen.

You’re up in someone’s loft, you lose your balance and your foot goes through the ceiling. You take a pickaxe to an old tiled floor and, hole in one, you put it straight through a mains water pipe. Even worse, you leave an old plank on the floor and it’s not until the customer steps on it that anyone notices there was a nail sticking out.

Before you know it, there’s a claim for damages being made against you and you’re facing a hefty compensation payment with legal fees on top. And have you seen how much lawyers are charging these days?

Now, if you had builders insurance, with public liability cover, you wouldn’t have to worry. All your costs would be covered. But without it, everything you’ve worked for could be at risk.

If you have any staff, you’ll also need employers liability insurance. It’s a legal requirement with stiff fines if you don’t comply. And remember that ‘staff’ includes any casual labour you might take on.

You might also want to add tools and equipment cover to your builder insurance package. They don’t come cheap and you know only too well how easily they can get damaged or go missing.

So maybe you do want insurance after all. Simply follow the link to find the insurance for builders that’s right for you.