Why builder’s insurance protects you, not just them

Sofia Larsen

Jul 2026 · 5 min read

Public liability insurance is what stands between you and a bill when something goes wrong on your property. It is the owner who carries the risk if the builder is uninsured.

Read the certificate

Check the cover amount, the expiry date and that the named business matches the one quoting you. A photo of an expired certificate is worse than none.