Yes, it's strongly advised—especially if your business provides design recommendations or similar services. In some cases, contracts may even require it.Keep in mind that as a builder, you're not automatically covered by the professional indemnity insurance held by designers, engineers, or consultants involved in the same project.

In most cases, yes—but it’s not always included by default. You'll typically need to request it as an added option.This additional coverage can help protect your tools and gear against theft, damage, or loss—up to a limit you agree on with your insurer. If you're taking out a new policy, let your broker know you want this feature included.

Unlike insurance that covers just one project at a time, annual blanket cover provides protection for multiple construction jobs throughout the year under one policy. It outlines predefined criteria that projects must meet to be automatically included. This type of policy is ideal for builders or construction firms handling several projects annually, as it simplifies coverage and ensures broader protection under consistent terms.

No single law Coverage can differ based on the insurer and the details of your policy. Some features may apply only to specific types of construction projects.In general, contract works insurance helps protect against physical damage or loss to buildings under construction, on-site materials, temporary structures, and other related assets.Most contractors are required to carry insurance as part of legal, regulatory, and site-specific compliance requirements.