Reliable, Insurance FOR Construction BUSINESSES & Tradespeople

RELIABLE, COMPREHENSIVE INSURANCE FOR
Construction BUSINESSES & TradespeoplE

Working in construction and skilled trades brings distinct risks, so a comprehensive policy is essential to make sure you are covered for all elements of your business from working at heights or using heatworks to on-site accidents. From equipment damage and project delays to liability for accidents, having comprehensive insurance protects both your business and financial well-being. The right cover means that when unforeseen events occur, you’re equipped to handle them without compromising the success and stability of your business.

Covering a wide range of trades and construction roles

Covering a wide range of
trades and construction roles

We provide tailored insurance solutions for various trades and construction roles, including:

Builders
Contractors
Cleaners
Electricians
EV & Solar Installations
Carpenters and joiners
Roofers (including heat work) and scaffolders

Plasterers and painters
Landscapers and Gardeners
Plumbers
Heating, ventilation, and air conditioning (HVAC) engineers
Flooring specialists
Property and building maintenance
Specialist trades and subcontractors

Policy Features & Options for Construction and Tradespeople

Policy Features & Options
for Construction and Tradespeople

Construction professionals face diverse risks, from injuries to property damage. Here are key insurance policies that help safeguard your business:

Public Liability insurance

Essential for tradespeople, this cover protects against claims and legal costs if a client or third party is injured, or their property is damaged due to your work. This coverage is crucial to maintaining client trust and financial security in an industry where accidents can happen unexpectedly.

Employers liability insurance

Required by law if you have employees, this coverage helps manage legal costs and compensation claims from staff who may become injured or ill due to work-related activities. It protects both your business and workforce by ensuring a compliant, safe work environment.

Contract works insurance

Provides financial protection for projects that are underway, covering the cost of repairing or redoing work that is damaged or destroyed during the course of the project by an insured peril like fire, storm, flood, theft or vandalism.

Plant, tools and equipment insurance

Covers the cost of replacing essential tools and equipment if they are stolen, damaged, or lost. For tradespeople who rely on specialized tools, this policy offers peace of mind and helps avoid costly delays due to missing equipment.

Commercial vehicle insurance

Protects your work vehicles from damage or loss, including theft, accident damage, or vandalism. Covering essential vans or trucks allows you to stay mobile and continue service delivery without interruption.

Professional indemnity insurance

Protects against claims made due to errors, omissions, or negligence in your work. If a client claims that your advice or work caused them financial loss, this insurance handles the legal costs and compensation, ensuring that your reputation and finances remain intact.

Business interruption insurance

Provides cover for lost income and additional expenses if your business cannot operate due to an insured event, like severe weather damaging your equipment or vehicles. This policy helps maintain financial stability during unexpected disruptions.

Each of these policies ensures that your business can continue confidently, no matter what challenges arise on-site or off-site.

Public liability cover for
subcontractors

If you’re a subcontractor, it’s essential to have the same level of public liability cover as the building company you’re working for. Many building companies require subcontractors to hold equivalent insurance to ensure consistent protection across the project site. This protects both you and the principal contractor from potential claims made by clients, third parties, or other subcontractors if accidents or property damage occur due to your work.

Matching the building company’s public liability level not only demonstrates professionalism but also safeguards your own financial security and reputation in the event of an incident. Ensuring aligned cover also helps establish a seamless working relationship with contractors and provides peace of mind for everyone involved on-site.

Why Choose US FOR YOUR Commercial Insurance ?

Why Choose US FOR YOUR
Commercial Insurance ?

At Doulton Commercial Insurance Services, we know the unique demands of the construction and trades sector, and we’re committed to providing customised, reliable protection. Here’s why clients choose us:

At Doulton, we believe in giving construction professionals and tradespeople the confidence to focus on what they do best—knowing their insurance needs are covered by an experienced and dedicated team.

Secure the right cover for your business today

Secure the right cover
for your business today

To find the right insurance solution for your construction or trades business, contact our friendly team. Call 020 8777 2626, email [email protected], or fill in the form below to get started on a policy that protects your work, tools, and reputation.