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Construction Insurance
Compare insurance for construction businesses
Protect your team, tools and projects
Compare quotes from trusted insurers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for construction businesses
Get cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
construction insurance?
Construction work can be rewarding but also a risky business, so it’s a good idea to have insurance in place. Whether protecting your workers, tools, or projects, construction insurance is designed to help cover the risks that come with building, renovating, or managing construction sites.
Whether you’re a contractor, builder, or project manager – we understand your unique business needs. We’ll do the heavy lifting and compare quotes to help find tailored insurance for your business.
What types of construction trades need cover?
We 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
Can’t see your trade? It’s likely we can still help. Start a quote online to get started.
Why do construction businesses need insurance?
Construction work is high-risk, and even with the best planning, the unexpected can happen. The right 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.
What does construction insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance cover could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work
Business interruption insurance
To provide compensation if a listed event stops your business from running normally
Business equipment insurance
Protects your essential tools and equipment from theft or damages due to an insured event
How much does construction insurance cover cost?
Because all construction businesses are different, it’s difficult to give a solid figure for what you’ll be paying without speaking to a broker. This is because your business is unique, and 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.
- 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.
Do you need insurance for apprentices?
Yes! If you employ apprentices, you’ll need employer liability insurance by law in the UK.
Are temporary structures protected like buildings?
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.
Get your construction insurance set up with Bionic
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.
“Robust cover for construction projects. Protect your business, workers and sites with the right insurance protection.”
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Construction Insurance FAQs
To help you understand more about business insurance, here are the answers to some of our most frequently asked questions.
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