Many small builders and subcontractors pick up insurance piecemeal over time. This checklist helps you step back and ask: do I have the right types of cover, at the right limits, with the right information ready for clients, main contractors and insurers?
Start by checking whether you have the main contractor insurance covers arranged and in force.
Insurers and main contractors will expect your policy to reflect your real activities and risk profile.
Make sure the way you use labour-only and bona fide subcontractors is correctly insured.
Good paperwork makes site access, tenders and renewals much smoother.
What insurance does a small builder really need as a minimum?
How often should I review my contractor insurance cover?
What happens if my policy doesn’t reflect what I actually do?
Do I need separate policies if I’m both a builder and a subcontractor?
Can Insure24 help me go through this checklist step by step?
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