Insurance & Protection
14 guides in this section
Personal Accident Cover: What Happens If You Can't Work?
Personal accident cover for self-employed builders. How to replace your income if an injury stops you working.
Read this firstPublic Liability vs Professional Indemnity: Which Do You Need?
Public liability insurance for builders. What you actually need, what's a waste of money, and how much cover to get.
Insurance for Subcontractors: What the Main Contractor Will Demand
Insurance for subcontractors. What main contractors require, minimum cover levels, and how to get on approved lists.
Legal Expenses Insurance: Is It Worth Having?
Legal expenses insurance for builders. Whether it is worth the cost and what disputes it actually covers in construction.
Making an Insurance Claim: How to Do It Without Getting Shafted
Making an insurance claim as a builder. Step-by-step guide to getting paid out without giving the insurer an excuse to refuse.
Employers' Liability Insurance: When It's a Legal Requirement
Employers liability insurance in construction. When it is legally required, the fines for not having it, and what it covers.
Tool Insurance: What's Covered and What Isn't
Tools and plant insurance for builders. Standalone cover vs van policy, what gets paid out, and the exclusions to watch.
Warranty and Guarantee Insurance: Do You Actually Need It?
Warranty and guarantee insurance for builders. IBGs, deposit protection, and how to offer customers real peace of mind.
Professional Indemnity Insurance: Who Needs It and When
Professional indemnity insurance for construction. Who needs it, when contracts demand it, and what it actually covers.
Contract Works Insurance: Who's Covered If It Gets Damaged?
Contract works and all risks insurance explained. What it covers during construction and why your client may require it.
What Your Insurance Doesn't Cover: The Gaps That Catch You Out
What your construction insurance does not cover. The common exclusions that catch builders out when they try to claim.
EV and Charging Equipment Insurance: What's Different
Insurance for electric vans and charging equipment. What standard policies miss and the extra cover you need for EVs.
Van Insurance for Tradespeople: What You Actually Need
Van insurance for tradespeople. Class of use, tools-in-transit cover, overnight conditions, the excess trap, fleet vs individual, and the questions to ask your broker.
Your Van Got Written Off: What Happens Next
Work van written off? First 24 hours, write-off value vs finance, tools claim, courtesy van, Cat S/N codes, challenging the valuation, and getting back on the road fast.