Builders' Insurance

That depends on the type of work you do, who you work with, and the level of risk involved.

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If you work around the public — whether it’s in people’s homes or on-site with other trades — Public Liability Insurance is a must. It protects your business if something goes wrong and someone is injured or their property is damaged.

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Most small businesses go for cover between £1 million and £5 million, but some jobs — especially with local authorities or bigger contractors — may ask for up to £10 million.

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With Admiral Business, you can choose a level of cover that works for you and adjust it as your business grows.

If you’ve added Tools & Materials cover to your policy, you’re protected — but there are a few conditions to keep in mind.

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We cover theft from your van as long as it was securely locked, and there are visible signs of forced entry. If your tools are kept in a permanently fixed, lockable toolbox, that’s even better. But if the van’s left unattended somewhere other than your home for more than 24 hours, and it’s not in a secure locked garage or compound, your cover may not apply.

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Basically — we’ve got your back, but your tools need to be locked up tight.

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Want to check exactly what’s covered? See full policy terms or speak to our team by calling us at 020 3808 7099.

• Employers’ Liability Insurance covers you if someone working for you gets injured or becomes ill because of their work. Even if it’s just one labourer, apprentice or someone helping out with admin — if they’re on the books, you’re legally required to have this cover.
• Public Liability Insurance, on the other hand, covers third parties — like customers, subcontractors, or members of the public who are affected by your business activities.

If you have staff (full-time, part-time or even casual), make sure you’re covered on both fronts.

If something goes wrong — an accident on-site, a damaged client property, or stolen kit — you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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Send over any supporting documents (photos, receipts, police report if it’s theft), and ideally let us know within 14 days. The sooner we know, the sooner we can help.

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We’ll guide you through it — but here’s what’s helpful up front:

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• What happened and when
• Where it happened
• Any evidence (photos, receipts, invoices, etc.)

If you’re claiming for tools or materials, we’ll pay the original purchase price if they can’t be repaired — just make sure your cover limit reflects what your kit is worth.