Guides for builders

Plain-English guidance on subcontractor insurance, renewal audits and staying compliant — written for UK builders and main contractors.

• Do your subcontractors need Employers’ Liability insurance? (UK)

  Whether a sub needs their own EL cover — and why a labour-only sub without it quietly becomes your problem.

• The renewal audit: why a subcontractor’s lapsed certificate costs you money

  What actually happens at your insurance renewal audit — and why an uninsured sub turns into a real invoice.

• How to chase subcontractors for insurance certificates (without the spreadsheet)

  A system for collecting and renewing sub certificates on time — and how to stop doing it by hand.

• What insurance should your subcontractors have? A UK builder’s checklist

  A practical checklist of the cover, limits and clauses to require from every UK subcontractor.

• How much Public Liability insurance should you require from subcontractors?

  Choosing the right Public Liability limit to require — and why copying the number off the last certificate is a mistake.

• Labour-only vs bona-fide subcontractors: the insurance difference

  The single distinction that decides whose policy pays — and whether a sub inflates your premium.

• How to check a subcontractor’s insurance certificate is genuine

  Six checks before you accept a certificate — and the red flags that mean “ring the broker”.

• Subcontractor insurance vs CIS: what’s the difference?

  Being CIS-verified is not the same as being insured — a costly assumption to make.