What insurance should my builder have?

Question

I'm comparing quotes for a loft conversion and one contractor hasn't mentioned insurance at all. What cover should I be asking about before I commit to anyone?

Daniel · Answer

Public liability insurance.
Typically £2-£5 million. My company have £10 million as we also do commercial projects

Rick · Answer

They should have public liability insurance to cover up to £2,000,000.00 as a min.

Doug · Answer

Every builder should carry public liability insurance

Dave · Answer

Before committing, your builder should have the following as a minimum:

* Public Liability Insurance – Covers damage to your property or injury to third parties (usually £1–5 million cover)
* Employers’ Liability Insurance – Required if they have anyone working for them
* Contract Works Insurance – Covers the actual building work in progress (very important for loft conversions)
* Professional Indemnity Insurance (if they design or advise structurally)

It’s also worth asking for:

* Copies of their insurance certificates (not just being told they have it)
* Warranty/guarantee on the work
* Whether the work is covered by building control and complies with regs

If a contractor hasn’t mentioned insurance at all, that’s definitely something to question before going ahead.

⸻

Or… you could always get Redstone Renovations & Landscaping Ltd to come and do it for you 😂

Mirza Nadeem · Answer

Thank you for your message.

I can confirm that we have all the necessary insurance in place, including Public Liability Insurance and Employers’ Liability Insurance, as well as all required legal documentation and approvals to carry out construction work in the UK.

We understand how important it is for clients to feel fully protected, and we are happy to provide copies of our insurance certificates and compliance documents for your peace of mind before any work begins.

If you have any other questions or would like to review anything in detail, please let us know.

Kind regards, Nadeem

Kirk · Answer

You should be asking about the upper limit of his contracts cover (mine is one hundred thousand) and his public liability insurance.

Hayley · Answer

Good morning
Some builders do not have no insurance and some do
I can only tell you what we have we have liability insurance we have contract liability insurance kind regards, Hayley

James · Answer

Hi you should make sure they have liabilty insurance

Stephen · Answer

All tradesman should have Insurance. The main insurance you should have is public liability insurance. If he has workers he should also have employee cover.

Scott Thomas · Answer

Hello public liability insurance.  Minuminm 5 million on a policy .

What insurance should my builder have?

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