How to Verify a Builder's License and Insurance
Protect yourself from cowboy builders. Learn how to verify a builder's insurance, qualifications, and trade body memberships before hiring. Complete 2025 guide. Call 0203 916 6465.
Check Public Liability Insurance
Every builder must have public liability insurance. Ask to see their certificate and check it is current. Minimum coverage should be £2 million, but many reputable builders carry £5 million or £10 million. Verify directly with the insurer if in doubt.
Verify Employer Liability Insurance
If the builder employs staff, they are legally required to have employer liability insurance (minimum £5 million). This protects you if a worker is injured on your property.
Confirm Trade Body Memberships
Check memberships with the Federation of Master Builders (FMB), NHBC, TrustMark, and Checkatrade. Verify directly on their websites — do not just take the builder’s word for it. Membership in multiple organisations is a strong positive sign.
Check Trade Qualifications
Look for NVQ Level 2 or 3 in Construction, City & Guilds certificates, and specialist qualifications for specific trades. Qualified builders are more likely to deliver quality work that meets building regulations.
Request and Contact References
Ask for at least 3 references from recent projects. Contact each one and ask about quality, timeliness, professionalism, and whether they would hire the builder again. Visit completed projects if possible.
Verify Financial Stability
Check the company on Companies House. Look for dissolved status, CCJs, or frequent changes of company name. A stable, well-established company is less likely to disappear mid-project.
Frequently Asked Questions
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What insurance should a builder have?
What insurance should a builder have?
Public liability (£2M+), employer liability (£5M+), and for larger projects, professional indemnity insurance.
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How do I check if a builder is FMB registered?
How do I check if a builder is FMB registered?
Visit fmb.org.uk and use their Find a Builder search to verify membership.
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What qualifications should a builder have?
What qualifications should a builder have?
Look for NVQ Level 2 or 3, City & Guilds certificates, and membership in recognised trade bodies.
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How do I avoid cowboy builders?
How do I avoid cowboy builders?
Verify insurance, check trade bodies, get references, never pay large deposits, and use a trusted matching service like Builders Direct Connect.
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