Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK loft conversion specialists — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
A loft conversion is structural work carried out at height, often inside an occupied home. That combination drives most of the serious claims in this trade, and well-trained employees are one of the biggest factors in avoiding them.
Cutting steel beams into load-bearing or party walls, removing chimney breasts and altering roof structures all carry a risk of structural movement if not properly supported. Party wall notice requirements and a clear structural design help protect both your client's property and the neighbour's.
Loft work means scaffolding, roof ladders and working around open floor voids for much of the build. Falls from height are a leading cause of serious injury in construction, and employers' liability cover responds if an employee or labour-only subcontractor is hurt this way.
Unlike a new build, loft conversions usually happen while a family is living in the property. Keeping the site genuinely secure overnight and at the end of each day — covering hatches, fencing off open voids, isolating exposed wiring — reduces the risk of an injury to someone who isn't part of your crew.
Properly trained employees are one of the strongest defences against a claim, whether that's safe working at height, correct use of lifting equipment, or knowing when work needs to stop and a structural engineer needs to be involved. Insurers may ask about training and supervision when assessing employers' liability risk.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged during your work. Most builders and contractors require you to hold this before starting on site.
Covers your tools against theft from a van or site, and accidental damage. Tool theft is one of the most common claims for tradespeople — check the limit carefully.
Legally required if you employ anyone — including casual workers or labour-only subcontractors you direct on site. Minimum £5 million cover required by law.
Covers work in progress on site against damage from fire, flood, theft or accidental damage before it's handed over to the client. Essential for large or long-running jobs.
Covers owned or hired-in plant and machinery on site — diggers, cherry pickers, compressors and specialist equipment.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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