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INSURANCE DESIGNED FOR SELF-EMPLOYED BUILDERS & SOLE TRADERS
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DOMESTIC JOBS
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SMALL COMMERCIAL WORK
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RENOVATIONS & EXTENSIONS
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LABOUR-ONLY OR BONA-FIDE SUBBIES
What Is Self-Employed / Sole-Trader Builders Insurance?
This policy brings together the key covers a self-employed builder or sole-trader needs: public liability, tools, plant, contract works and - where required - employer’s liability for labour-only subcontractors or helpers.
It’s suitable for general builders, small building contractors, renovation specialists and trades who take on minor structural work, refurbishments, extensions and small new-build projects.
Cover can be tailored for the type of work you do, height limits, use of heat and the value of your tools and equipment.
What Does Sole-Trader Builders Insurance Typically Cover?
Core covers to protect you, your tools and your customers.
- Public Liability Insurance (injury or property damage to others)
- Employer’s Liability (for labour-only subcontractors / helpers)
- Tools & hand-held equipment - on site and in transit
- Own plant & machinery (mixers, small diggers, scaffolding, etc.)
- Hired-in plant & equipment (subject to hire agreements)
- Contract Works cover for work in progress
- Temporary site huts, storage units & welfare cabins
- Theft, vandalism, fire, storm & accidental damage
- Optional Personal Accident / weekly income benefits
Typical Risks for Self-Employed Builders
- Accidental damage to a client’s property while working
- Injury to a member of the public or a neighbour on site
- Trip, slip or fall claims from customers visiting the site
- Theft of tools from site or from a locked vehicle
- Damage to work in progress from fire, storm or flood
- Liability for labour-only subcontractors working under your control
- Working at height or using heat (blowtorches, grinders, etc.)
Why Self-Employed Builders Choose Insure24
- Specialist construction & trades insurance knowledge
- Policies tailored for sole-traders and small building firms
- Choice of public liability limits (e.g. £1m, £2m, £5m)
- Options for tools-only, liability-only or combined cover
- Help with heat-use, height limits and specific work types
- Fast documents for main-contractor / site compliance checks
- Flexible payment options (including monthly instalments via premium finance, subject to status)
“As a one-man band, I needed cover that ticked all the boxes for my customers and main contractors. Insure24 made it simple and explained everything in plain English.”
Paul R., Sole-Trader BuilderFREQUENTLY ASKED QUESTIONS
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Do I need Public Liability Insurance as a self-employed builder?
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Do I need Employer’s Liability if I’m a sole-trader?
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Are my tools covered in my van overnight?
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Will this policy cover me on building sites and in private homes?
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Can I pay for my builders insurance monthly?
Related Covers
Sole-trader pages should keep users focused on related construction insurance pages by connecting self-employed questions to liability, tools, contract-works and planning content. These links do that directly.