How can I check if my builder has insurance?

Ask, then verify — never rely on a logo on the van. Every legitimate builder carries public liability insurance, and the accepted minimum for domestic building work is £2m of cover. Ask for the certificate before you sign anything: a genuine builder can forward it within minutes, and reluctance or “I'll send it later” is a red flag in itself.

When the certificate arrives, check three things. First, the dates — the policy must be in force now and ideally through your build. Second, the name — the trading name on the certificate must exactly match the name on your quote and contract; cover under a different or dissolved company name is worthless to you. Third, confirm it's live by phoning the insurer or broker named on the certificate — a two-minute call.

If the builder employs anyone or uses subcontractors, employer's liability insurance (£5m) is a legal requirement. For bigger jobs, also ask about an insurance-backed warranty, which protects your deposit and the work if the firm folds mid-project.

Our guide to checking a builder is insured lists all five documents to request, and how to read a builder's quote covers the contract side.