General Builders’ Insurance

General builders have a whole host of hazards which they face on a daily basis. It’s not just hammering in a nail or sawing a plank of wood; as the name implies, as a general builder you could be carrying out a range of tasks, including plastering, painting and decorating, plus bricklaying and insulation work – each of which carries its own particular risks. So taking out general builders’ insurance is an essential requirement, however large or small your business is.

General Builders’ Insurance

You or your employees could be working underground or ‘at height’ up a ladder, on scaffolding or on a roof, which automatically increases the risks, no matter how much care is taken. The risk of slips and falls, particularly if you are working in wet weather, means that you should always have protection against personal injuries. If you employ or sub-contract someone to carry out any work, it is a legal requirement to take out employer’s liability insurance in case they are injured whilst ‘on the job.’

You will also need to take out cover in case your tools are damaged or stolen. The modern builder uses a lot of state-of-the-art equipment which is extremely expensive to repair or replace.

Scaffolders' Liability Insurance Quote

You should also be legally protected in case a client makes a claim relating to the quality of your work; for instance, they believe you failed to correct a structural defect on the property which led to someone suffering a serious injury. The same applies if you accidentally drop a pot of paint or some tools on your customer’s property – either inside or outside their house. Taking out public liability insurance will ensure that you are protected against such situations and it will also provide cover if a neighbour or passer-by makes a claim against you.

At Clover Insurance, our standard general builders’ insurance policy includes third party cover which provides protection if any member of the public makes a claim against you. Our policies can also include:

  • Employer’s liability insurance
  • You or your employees’ tools
  • Plant (including hired-in equipment)
  • A public liability excess layer
  • Any contract works
  • Any commercial legal expenses arising from a claim.

If you use Clover Insurance for your general builders’ liability insurance, then you will get a quote which is tailored to your individual needs and won’t be available on any of the major insurance comparison sites. We pride ourselves on our excellent customer service and will be happy to act for you if you ever need to make a claim.

We offer general builders’ insurance in Cheshunt, St Albans and across Hertfordshire and North London. If you are interested and would like to receive your free, no-obligation quote, just follow this link or call us on 020 8805 1121.

Scaffolders' Liability Insurance Quote