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Builders Insurance

Tailored business insurance cover for self-employed builders from only £11.00 a month

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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

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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.

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What is builders insurance?

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.


Why do builders need insurance?

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.

Why choose Caunce O'Hara for your builders insurance?

As trades insurance experts, we're your number one choice for your business protection.

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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.

Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently asked questions about 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.

Insurance policyLowest excessHighest 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.

Contact us

Call 0333 321 1403

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.

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Contact Caunce O'Hara for your business insurance today