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Builders Insurance from Jelf

Insurance solution providing comprehensive cover to builders working throughout the UK.

smei is a trading name of Jelf, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management.

We have many years’ experience of supporting tradesmen and contractors working in the building industry. We understand the risks and challenges you face and have developed an insurance solution that forms an important part of your builder’s toolkit.

You wouldn’t think of starting a job without the right equipment. Arranging insurance for your business is no different.

Knowing you have the appropriate cover in place at the right price means you can focus on what needs to be done on site, without having to worry.

Our Business Insurance Includes:

Cover Options:

  • Public liability.

  • Employers liability.

  • Subcontractor liability.

  • Contract works.

  • Plant.

  • Vehicles including directors' cars.

  • Stored materials.

  • Tools in transit.

  • Groundwork risks.

  • Completed dwellings awaiting sale.

  • Environmental clean-up.

Enhanced Features:

Public liability:

  • No depth limit.

  • No "failure to perform" exclusion.

  • No underground services conditions.

  • No heat condition or warranty.

  • No hidden premium adjustment on wages paid at year end.

Employers liability:

  • No height limit.

  • No hidden premium adjustments on wages paid at year end.


  • Extends to include plant on free loan.

  • Loss of hiring charges for 180 days.

Completed dwellings:

  • Cover for completed private dwellings awaiting sale including show house contents.

Get a quote

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, instant quote today.

Quote line: 01905 892 340

*As with all insurance policies, terms and conditions apply. Contact us for full details.

To find out more about builders insurance, or to get a quote, contact us today and speak with our team of experts.


Builders Insurance from Jelf

By opting for builders insurance with Jelf, you will have peace of mind knowing you’re working with a highly reputable company with a focus on providing quality customer care.

Whether you’re a one-man band or you manage a business, we offer wide-ranging protection in a single insurance solution. When you contact us we’ll discuss with you the elements of cover that are essential to the running of your business – so you get the cover you need and are not paying for the things you don’t.

We are here for you during the lifetime of your policy. Our team of experts will be on hand to help you with any queries, problems or issues you may have, and to provide support should the unfortunate happen and you need to make a claim.


The Importance of Business Insurance for Builders

Builders work in a high risk sector, so comprehensive insurance is essential. The nature of your work, along with the equipment and materials you use on a daily basis, hold potential dangers for you, your staff or subcontractors, and the general public.

Amongst those dangers are falling tools or masonry that could potentially cause harm to people or damage to vehicles, accidentally drilling through water pipes causing major damage, and furniture or flooring becoming damaged or stained due to heavy equipment or corrosive materials.

Businesses and individuals may refuse to hire building firms that don’t have the appropriate level of insurance, therefore it’s essential that you have the level of protection that’s in keeping with the work you do.

We can include protection for your vehicles and plant, including the items you hire or loan in or out. We provide broad-ranging cover for loss or damage to your property, contract works, and materials on site. There are even solutions for timber framed properties in the course of construction.

We want to help make sure that if the unexpected happens, we’ve considered the details that can be easily missed – like covering the cost of repairing damaged underground services or cleaning up after an incident that pollutes or contaminates the environment.

Jelf Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services offered are regulated by the FCA. Registered in England and Wales number 0837227. Registered Office: Hillside Court, Bowling Hill, Chipping Sodbury, BS37 6JX.

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Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 01905 892 340

Mon-Fri: 8am - 6pm

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