Construction Insurance

We can protect the majority of construction trades, including: 

• Builders and contractors
• Electricians and plumbers
• Roofing and scaffolding businesses
• Civil engineers and construction consultants
• Specialist trades like tilers, plasterers, and landscapers
• Basement contractors 
• Site managers and project supervisors 
• Demolition contractors 
• Groundwork specialists 
• Bricklayers and masons

Can’t see your trade? It’s likely we can still help. Start a quote online to see if we can.

Construction work is high-risk, and even with the best planning, the unexpected can happen. The right construction business insurance could help cover you for situations like:

• A worker gets injured on the job site
• You accidentally damage a client's property
• Your valuable equipment is stolen or damaged
• A fire or disaster disrupts a project

With the right cover in place, you can focus on getting your project done, knowing you’re protected from the unexpected. 

Construction insurance could cost from 23p a day*

But all construction businesses are different, so it’s difficult to give a solid figure for what you’ll be paying without speaking to a broker. Prices depend on a number of factors, including:  

• Extent of cover — The more cover you opt for, the more expensive your package will likely be. 
• Your insurer — Depending on who is willing to insure you, the price for their policies will vary. 
• Type of work — Higher-risk trades like roofing may face higher premiums than lower-risk work. 
• Project size and complexity — Larger construction projects tend to higher insurance costs due to increased risk exposure – like working from a height 
• Location — The location of your business is taken into consideration when calculating the cost of your premiums. 
• Claims history — If you’ve made a claim on your policy or had claims made against you, it may affect your future premiums. 

_{*This price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

For a chance of securing a lower construction insurance quote, you can take steps that demonstrate lower risk to insurers: 

• Improve your safety protocols - Positive risk management controls show underwriters that you know the risks your business could face and taking steps to manage these 
• Check and review your cover regularly – As your business grows and changes, ensure you are regularly checking you are paying for only the cover you need 
• Choose comprehensive construction insurance – Opt for the right cover types for your needs, without paying of extras you won't use. 
• Compare insurance quotes with a broker – Find the right premium for your business needs and compare insurance quotes with a broker who has access to a trusted panel of providers, like us at Bionic. 

Not always. Temporary structures, like scaffolding or site offices, sometimes require specific covers.

Speak with a member of our team today, and we’ll help you find the right cover. 

Building a construction business takes hard work, and the right insurance helps protect what you’ve built. At Bionic, we compare insurance quotes from trusted insurers to help find tailored cover that suits you.

Start your quote online today, or chat with our UK-based team for friendly support.