What is business insurance for builders?

From building extensions to repairing properties, being a builder can be hazardous at times. But you still strive to give your customers your best work every day. That’s where builders’ insurance from AXA comes in to help you protect what you’ve built.

With AXA business insurance you can:

  • Build a tailored policy with the products that you need
  • Protect your business, tools, equipment, and employees
  • Change your policy online from your account space
  • Access all your policy and cover documents in one place
  • Get a 10%** discount for buying online

Why do builders need business insurance?

Imagine you’re up a ladder working on a wall, the ladder shifts suddenly, a tool falls and someone gets hurt. Or what if you’re digging something up for a client and burst a pipe?

In situations like this our public liability insurance would protect your business in the event of claim. It’ll cover the costs of the compensation for you, so you can keep your clients happy and get back to fixing the real problems. And, if you employ anyone, you can bundle it together with our employers’ liability insurance, which is a legal requirement, to give you an extra layer of protection.

How much does builders’ insurance cost?

The easiest way to find out how much business insurance would cost for you is to get a quote online. That way you can decide what products you need, which optional extras are most helpful, and how much cover is right for you. 

When you do, you’ll get a quote for a policy that is tailored to your needs – and you’ll save 10%** for buying online.

Get a business insurance quote


What insurance do I need for my building business?

With AXA, you can pick and choose these covers to build an insurance policy that suits you and your builders’ business, that way you only ever pay for the protection you need.

Public liability insurance

Public liability insurance can save the day by protecting your business from third party claims that might arise as result of accidental injury or damage.

Van insurance

If you use a van for work, AXA's van insurance can cover you and help keep you on the road, with accident recovery, roadside repairs, and a guaranteed courtesy van***.

Employers’ liability insurance

If you’ve got anyone working for you, whether that’s full-time, part-time, voluntary or trainees, you need employers’ liability insurance – its legally required under the Employers’ Liability Act 1969.

Additional covers

If you feel like you need a little more cover, we have a selection of additional covers that you can add to your policy.

Own tools and equipment cover

We’ll cover you for accidental loss, theft or damage to your tools, plant and equipment – as well as any machinery, trailers, site huts or caravans owned by you.

Hired-in plant equipment cover

We can also cover equipment you’ve hired to use in connection with your business, for example any diggers, cement mixers, jackhammers etc) in case they’re accidentally damaged or destroyed whilst in your care.

Contract works cover

If you’re building a new house or extending a property, and the work you’ve done is destroyed or damaged part way through the job, you could lose all the hard work you’ve put in. But with contract works cover, we’ll protect you against accidental loss, destruction, or damage – so you can complete the project you’re working on.

Frequently asked questions

Is business insurance for mandatory for builders?

Business insurance is not mandatory. However, some contracts may require you to have insurance in place before undertaking a job.

If you have anyone working for you – regardless of their employment status – then you are legally required under the Employers’ Liability Act 1969 to have employers’ liability insurance.

How long does my business insurance last?

When you take business insurance with AXA your policy will last for 1 year from the policy start date. 

Does builders’ insurance cover poor workmanship?

No, business insurance will not cover you for poor workmanship. Depending on the cover you choose, business insurance will cover you for:

  • Third party claims made in relation to accidental injury or damage with public liability
  • Theft or loss of your tools under tools insurance
  • Claims made by an employee who has fallen ill or been accidentally injured as a result of working for you

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*10% of our customers paid this or less between January and March 2023.


This discount is applied automatically and lasts for the lifetime of your policy.

***When your van is under repair by one of our Approved Repairers. Not applicable for total loss claims.