Tailored business insurance cover for self-employed builders from only £11.00 a monthStart your quote
Cover for your business, staff, tools and equipment
Quick online quotes in less than 90 seconds
Rated 4.7 out of 5 by our customers on Feefo
Caunce O’Hara tradesman insurance for builders provides expert industry-specific cover for a range of risks faced daily by self-employed building professionals.
Whether it’s home builders’ insurance you’re looking for or contractor builders insurance, our trades insurance covers all types of building professionals, giving you peace of mind so you can get on with your job.Start your quote
Builders insurance provides liability cover for you and your business against the unexpected, such as a member of the public sustaining an injury that you are alleged to be responsible for, or a client’s property being damaged during the course of your building work.
If something goes wrong during the course of your work, builders insurance will cover you against the legal costs incurred.
If it is alleged that your actions have caused an accident to a member of the public or accidental damage to a client’s property, it could result in legal action against you. Without the right level of public liability cover in place you could find yourself facing legal costs that could have serious financial implications for your business.
Our builders insurance can cover these scenarios, and more, to provide you with the peace of mind that, if something goes wrong, you’ll be covered if you need to defend a claim against yourself. We also offer policies to cover your staff, your tools, accidents, and claims of negligence.
As trades insurance experts, we're your number one choice for your business protection.
Trusted by over 23,000 clients for their business insurance.
Immediate cover available, with documents issued via email in minutes!
Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
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We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com
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.
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:
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.
|Insurance policy||Lowest excess||Highest excess|
|Public liability insurance||£250||£250|
|Employers’ liability insurance||£0||£0|
|Tools & trade materials cover (can only be purchased with the public liability policy)||£250||£250|
|Personal accident insurance||£0||£0|
|Professional indemnity insurance||£250||£500|
Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch