The Federation of Master Builders

Liability Insurance

Product Overview

Liability insurance is an essential part of any business. Not only does it protect you as a business, but it also protects you, your employees and the public.

At FMB Insurance, we know that no two days are the same in the construction industry, which is why it’s important to leave yourself a safety net should anything go wrong.

Our Liability policies offer a diverse range of cover for every aspect of your business, allowing you to truly personalise your cover. Options include: public and employers liability, tool cover, contract works, personal accident, temporary employees and much more.

Our close relationships with insurers means that we help source you the right insurance, even if it isn’t featured here. Simply get in touch with the team and we will be happy to help.

Reasons To Buy

  1. Full support from our dedicated team, who fully understand the needs of builders and contractors
  2. A wide range of optional extras – including tools cover, temporary employees, contract works and more
  3. Varying levels of indemnity – choose from £1m, £5m or £10m
  4. Underwritten by market-leading insurers

Frequently Asked Questions

What is Employers Liability Insurance and when is it required?

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It will cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

What is the difference between Bona-fide and Labour only sub contractors?

Bona-fide sub-contractors are generally deemed to be contractors who work without direction from you, hold their own insurance and usually provide their own materials and tools. As long as they are not working under the direction of you, have their own legal liabilities and insure themselves, there is no need to include them in the count of employees.

Labour only sub-contractors should be treated as employees for the purposes of cover under this type of insurance. Generally they work under the direction of you and do not provide their own material or tools (with the exception of small hand tools). Cover would therefore be arranged for labour only sub-contractors by the main contractor under their policy.

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