Builders All Premises Insurance

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Insurance for builders working across domestic and commercial premises, new-builds, alterations, repairs and mixed construction sites, where contract works, public liability, tools, plant and subcontractors all need clear treatment.

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All premises insurance for builders

Builders who work across domestic, commercial, new-build, alteration and repair projects often need cover that reflects several site types rather than one narrow trade description.

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Builders Working Across All Premises

Builders all premises insurance is designed for building contractors whose work does not fit neatly into one site category. It can suit firms working on private dwelling houses, commercial premises, new builds, alteration and repair projects, refurbishments, extensions, small developments and mixed construction work.

This page sits alongside more specific builder pages such as PDH new, PDH alteration and repair, commercial new, and commercial alteration and repair insurance. It is useful where the business needs a broader conversation about the full spread of premises, contracts, clients and site exposures.

Who This Page Is For

  • Builders working across domestic and commercial projects.
  • Mixed new-build, alteration, repair, extension and refurbishment contractors.
  • Small and mid-sized firms using employees, labour-only subcontractors, bona fide subcontractors, tools and plant.
  • Businesses that need proof of cover for homeowners, commercial clients, developers, principal contractors or project owners.

What Cover Can Include

  • Public liability for injury or property damage involving clients, visitors, neighbours, the public or other trades.
  • Employers' liability for employees, apprentices, labour-only subcontractors and supervised workers.
  • Contract works cover for partially completed projects, temporary works, materials on site and unfixed goods.
  • Tools, owned plant, hired-in plant, site huts, welfare units, legal expenses and commercial vehicle cover.
  • Optional professional indemnity where design, specification, project management or advice is provided.

Why All Premises Builder Work Needs Careful Review

Different premises can create different insurance questions. Work in occupied homes can raise risks around existing property, residents and neighbours. Commercial premises can involve trading businesses, customers, stock, machinery and stricter contract requirements. New-build sites may need higher contract works, materials and plant limits, while alteration and repair jobs often involve work around existing structures.

Builders all premises insurance

Underwriting Questions

  • What split of work is domestic and commercial?
  • How much work is new-build, alteration, repair or refurbishment?
  • What are the usual and maximum contract values?
  • Are subcontractors, hot works, plant, excavation or structural works involved?
  • Who owns the contract works and materials, and what limits are required?

Different Premises, Different Insurance Questions

All premises builder insurance needs to account for occupied homes, trading commercial premises, new structures, existing structures, neighbouring property, public access, utilities, site security, handover dates and contract conditions. A clear activity split helps insurers understand the real exposure.

Contract Works, Subcontractors and Evidence of Cover

Builders often need evidence of public liability, employers' liability, contract works, plant and subcontractor controls before starting work. Insurers may ask about RAMS, subcontractor checks, heat work procedures, security, maximum contract values and who is responsible for the works before completion.

Related Pages

BUILDERS ALL PREMISES INSURANCE FAQS

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What does builders all premises insurance cover?

It can include public liability, employers' liability, contract works, tools, owned plant, hired-in plant, materials, temporary works, site property, legal expenses and commercial vehicle cover depending on the work.

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What does all premises mean for builder insurance?

It usually means the builder may work across private dwellings, commercial premises, new-build, alteration, repair and mixed sites rather than one narrow premises category.

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Do builders working across all premises need contract works cover?

Often yes, especially where the builder is responsible for partially completed works, site materials, temporary works or site property before practical completion or handover.

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What information helps insurers quote?

Insurers usually want the domestic and commercial work split, project types, contract values, contract works limits, labour setup, subcontractor use, plant, tools, hot works, claims history and required liability limits.