Builders Insurance in Brighton

Key points

• Self-employed builders
• Small building firms
• Extension and refurbishment specialists
• Loft and basement conversion builders
• Heritage and listed-building builders
• New-build housing contractors

Frequently asked questions

How much public liability insurance do builders need in Brighton?

Most Brighton builders carry £2 million as a minimum, with £5 million the most common requested limit on private and commercial contracts. Local authority and main-contractor work usually requires £10 million. We can advise on the right limit for the contracts you actually take on.

Does builders insurance cover the property I'm working on?

Public liability covers damage to third-party property, but the building you are working on is usually treated as 'property in your care, custody or control' and needs to be specifically extended or insured under a contract works section. We make sure that gap is closed before works start.

How much does builders insurance cost in Brighton?

A self-employed builder with no staff typically pays from £400–£900 per year for public liability and tools cover. Small firms with employees and contract works protection usually sit in the £1,200–£3,500 range. See our Brighton business insurance cost guide for typical price bands by trade.

Do I need employers' liability if I only use sub-contractors?

In most cases, yes. HMRC and HSE often treat labour-only sub-contractors as employees for insurance purposes, so employers' liability is usually still a legal requirement at £5 million minimum. We help builders structure the policy correctly to avoid uninsured exposures.