If you employ anyone except for immediate family members, then employee liability insurance is a requirement by law. But that doesn’t mean you should skip other types of cover. Many are essential for protecting your business in case a project goes sideways.

When taking out building insurance as standard, it’s unlikely to cover you against all claims for defective workmanship, as there will be some limits. There are also likely to be exclusions for defective products or any defective materials used. It’s best to check the policy wording and terms and conditions when taking out a business insurance policy. Speak to a broker beforehand if you are concerned about what may be excluded.

You need the following information when starting a quote online with us at Bionic: 

• Business Name 
• Policy Start Date 
• Full name of business owner/owners 
• Phone number 
• Email 

Because builders’ insurance is unique to your business, our knowledgeable agents are on hand to help with specific questions to ensure you get sufficient cover. When speaking to our agents and arranging new insurance, you should provide further business details like turnover and wages. Find out more in our guide to submitting accurate business information for insurance.