Reputable builders should have public liability insurance to cover damage to your property or injury caused during the project. If they employ workers, they’re legally required to have employer’s liability insurance, too.
For major building work, it’s wise to check if the builder has contract works insurance, which covers projects under construction.
In the early stages of hiring a builder, always ask for proof of insurance. If they are unwilling to confirm they’re covered and provide evidence of that, you should move ahead with more transparent professionals.
For more in-depth information about hiring construction professionals, check out our builder hiring advice and tips.