Builders Merchants Insurance Quotes 

Are you looking for insurance for your Builders Merchant business?  
Almost every broker will sell builders insurance for a variety of building industry businesses but not every builders / builders merchants business is the same. Its important to understand that some off the shelf products and contracts may not be entirely suitable for your business and its always advisable to speak to a professional with experience in your industry. 
We can help you find a policy with the covers you require.  
We can offer health & safety risk advice and risk management help where required and we have friendly and qualified staff to deal with all queries throughout the policy term, with us. In addition we have access to the whole market as independent brokers so you can be assured your builders merchants policy will be competitively prices as well as offering the covers you require. 
During the course of your builders merchants insurance contract we will help you with any mid term adjustments and will be on hand to help you with any claims should you suffer a loss. As well as taking a full fact find at the policy inception we will also search the market at renewal time and ensure your policy remains up to date and your premiums competitive. 
Town & Country are a national brokerage remaining local in our working practices.  
You will get to know our staff personally, we are an independent national brokerage with local principles at the heart of everything we do. We are not a call centre and we like to know all of our customers and their businesses as well as possible so we can service your policy requirements for your builders yard insurance as well as possible. 
We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
For a free no, obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 
Expert Advice  
Over 80 Years Experience  
Get Your Business Insurance Quote 
Simply fill out the form below and one of our team will be in touch as soon as possible. 

Builders Merchants Insurance Information 

Who Can We Insure? 
We can provide cover for a wide range of trades including timber yards and timber merchants, retail outlets and DIY stores and builders yards and aggregate suppliers. We also have access to specialist schemes for garden centres and gardening supply shops where a large portion of the insurance relates to glass. If your business isn't specifically mentioned we will still be able to insure you, we will just need to discuss your exact requirements so we can tailor a bespoke policy for you. 
The typical cover will include: 
Business Interruption 
Property Insurance 
Employers Liability insurance is a legal requirement if you have any employees in your business, even if you use of unpaid workers or volunteers. It is especially important to speak to an adviser who understands your risk so this can be rated appropriately. We will need to discuss your employed staff, labour only sub contractors and bonafide subcontractors as these all have an impact on your rate and will influence your final premium, getting these wrong could lead to you paying the wrong premium and in some instances this can even be claims back by insurers depending on your contract. 
Similarly to employers liability, this covers any injury or illness that any member of the public may incur due to partaking in your services or that is in some way your responsibility but it is not a legal requirement. We don't recommend trading without this section of cover. Without public liability the company or even its directors or owners can be held responsible for any loss or claim, potentially bankrupting not only the business but its owner or directors as well. 
Town & Country work with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate. 
We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 

Frequently Asked Questions 

Read some our our most frequently asked questions about our insurance policies. 
Our policies are designed to cover the risks you face whilst trading, protecting assets such as buildings and content on an 'all risks' basis, we can extend to cover non-standard risks as well as traditional or standard properties, the policy extends to include protecting your trading income following such losses as well as your liabilities to members of the public or of course those you are liable for as an employer. 
Options exist to prepay the year, at inception of cover or to spread the costs over a number of monthly instalments, subject to a small surchage madevia the renowned insurance financer Clos Bros Premium Finance who assist our clients fund the monthly direct debit facilities. 
When considering claiming our first suggestion is always to speak with us, discuss the circumstance of the loss and we can then assist you in preseting the loss fully to the underwriters, so it can be administered and settled as quickly as possible, if the loss is substantial we will negoiate the attendance of a loss adjuster to work through the claim with you and get you speedily reinstated, if the loss is a liability one (public or employers) we would urge you to speak with us as quickly as possible post incident or on notification as early collection of data is key to any defence or explanation 
Why Town & Country? Well we like to think thats a pretty simple answer, we believe we are the best, the best in extracting the right information and working with you at the outset so the policies are correctly and competitively underwritten, then the same staff member handles your case building a rapprt and relationship with you dealing with any amendments you might need and handling any claims and before taking updated iinformation to secure appropriate renewal terms. Ours is a crade to grave all encompassing solution to your businesses insurance requirements, we act like one of your own staff or team members and pride ourselves on a service that has kept us doing just what we are doing for over 80 years 
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