Business insurance for builders and construction professionals

Peace of mind that you’re covered

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Trusted by over 25,000 businesses

Immediate and comprehensive insurance cover

Insurance protection for builders and construction professionals

Builders and construction professionals are highly skilled and are expected to work to tight budgets and timescales, as well as to exact measurements.

This can create a pressured environment in which mistakes can be made.

It is important to carry comprehensive business insurance that covers all of your needs as a construction professional, from the advice you give and the designs you work to, to the tools and the equipment that you rely on.

For a quick online quote simply click ‘Start Your Quote’.

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Why do builders and construction professionals need business insurance?

Mistakes in a house build, or in a commercial build can delay projects and cause costs to rise outside of the limits of the project’s budget.

The building trade can also be prone to theft, with many stories of tools and plant machinery being stolen appearing in the news over the years.

Caunce O’Hara can offer you the business protection you need to ensure you are covered in the event that something unforeseen might happen.

For a quick online quote simply click the ‘Start Your Quote’ button.

Start Your Quote

Insurance protection that fits your profession

Get a quick online quote for your business insurance today.

To start your personalised insurance quote, simply click the ‘Start Your Quote’ button. You can see a quote in as little as 90 seconds!

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Business insurance experts for more than 25 years

Caunce O’Hara has been insuring business professionals since 1995.

Many of our trades and construction clients renew with us because of our focus on high quality customer service.

Build your business insurance quote online with us today.

Simply click the ‘Start Your Quote’ button.

Start Your Quote

Caunce O'Hara Insurance For Builders and Construction Professionals

Choose from our range of insurance protection products below. Simply click for a quick online quote.

For construction professionals

Professional indemnity insurance

Protects against claims of alleged negligence in your professional services, advice and designs.

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For construction professionals

Public liability insurance

Protects against injuring a member of the public or damaging their property. Click to build a quote online in minutes.

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For construction professionals

Employers’ liability insurance

A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.

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For construction professionals

Legal expenses insurance

A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.

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For construction professionals

Personal accident insurance

Cover for work injuries, illnesses caused by work and compensation awards.

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For construction professionals

Commercial crime insurance

Protection for losses from fraud, dishonesty, theft, bribery, forgery, and loss investigations.

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Benefits of business insurance for builders and construction professionals

Caunce O’Hara business insurance policies give you peace of mind that you are protected, so you can concentrate on your work.

1
Cover for legal defence costs and compensation bills arising from a claim.
2
Immediate cover available, with documents issued via email within minutes!
3
Trusted insurance broker.
4
Insurance that gives you peace of mind you are covered.

Customer Reviews

We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com.

Best public liability, professional indemnity and employers’ liability insurance offer I’ve come across.
Trusted Customer
Feefo
Great experience getting quotes. Staff were very helpful and allowed me to explore options.
Trusted Customer
Feefo
Quote process was very simple and easy to configure to what you require with good information links and explanation of each category.
Trusted Customer
Feefo

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Frequently asked business insurance questions

Find out more about our business insurance products here.

If you are unsure if you need professional indemnity insurance, this list of instances when it is advisable to be insured:
▪ You provide an expert service to your clients
▪ You provide consultancy and advice to your clients
▪ You handle personal information and data for your clients
▪ Your professional membership body insists you carry it
▪ Your client insists that you have it

The level of protection you need will depend on the value of the work you do and the potential liability. Caunce O’Hara can help you build the ideal insurance policy that will help protect all areas of your business.
Available limits of indemnity range from £50,000 cover per annum up to £5,000,000 per annum.

▪ Legal expenses – Should a claim be made against you the policy will provide cover to help with the cost of legal proceedings.
▪ Cost of repairs – The cost of repairing damage to the claimant’s property, such as accidentally knocking over and breaking a valuable ornament in their offices during a meeting, or a plumber causing a leak/flood to a customer’s premises and damaging carpets as a result.
▪ Medical fees – The cost of hospital treatment, including ambulance call-out, if a claim is made against you for these.
▪ Compensation claims – Injury to third parties or damage to their property if an accident occurs on your business premises, a client’s premises or elsewhere.

Employers Liability cover is required by law for most businesses. You will need it if:
▪ You deduct Income Tax and National Insurance Contributions from the money you pay your employees.
▪ You have control over where and when your employees work.
▪ You have the right to claim profit made by your employees.
▪ You provide the equipment and materials your employees use.
▪ You need them to perform the job you employ them for and if the employee is unable to provide a substitute if they are unable to work.
▪ You have part-time or temporary employees.