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Construction Insurance

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Tradesman Saver’s Construction Liability Insurance

Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Construction business insurance provides a series of covers under one umbrella policy. Together, they provide cover for construction workers in case of any accident or injury to you, your team, or any members of the public, as well as property damage both on and offsite. 


The construction insurance packages from Tradesman Saver feature the main covers you need, including public liability insurance, products liability insurance and employer’s liability insurance. This means you can get on doing what you do best safe in the knowledge that your business is safeguarded from any accidents.

Why do you need construction insurance?

Even the most seasoned professionals within the construction industry aren’t immune from potential incidents. The possibility of accidental damage or injury to your employees, or a member of the public, can be financially disastrous if you’re not covered by a comprehensive policy. Construction business insurance offers peace of mind to workers and clients alike that, if any such events happen, anyone affected will be entitled to the compensation they deserve.

Here at Tradesman Saver, we offer affordable construction liability insurance to ensure that everyone can get the cover they require. To create a tailored policy that’s ideal for your requirements, fill out our online form today.

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Your 60 Second Guide To: Construction Insurance

How our construction insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for construction

Finding the right insurance policy for your construction business can be a challenge. There’s so much terminology to try and get your head around and it can often leave you feeling more confused than when you started! The one cover you need to know about though is public liability.

Public liability insurance for construction workers is essential, covering your business for any injury to third parties or damage to their property. It even protects you from claims made against you by your clients, or members of the public, who may have been hurt by your business’ activities. Among the situations it covers are:

  • Accidental damage to a client’s property while you’re working
  • A client tripping over the cable of your power tool and hurting themselves
  • Damage to a client’s neighbour’s fence while you’re on a job
  • Injury caused to a member of the public after you drop a tool on them from height

Why do you need construction public liability insurance?

Regardless of your team’s level of expertise, accidents happen. If inadvertent damage or injury occurs as a result of something your workers have done — whether to another worker or a member of the public — you need to be certain that any legal fees or compensation you must pay won’t put you out of pocket. Public liability insurance for the construction sector allows you to rest easy knowing that if the worst does happen, you’ll be covered, no matter the circumstances.

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How much does construction insurance cost?

How much constructors insurance costs depends on factors like the type of buildings you construct, your experience and your claims history. The type of cover you choose can affect the price too.

Here at Tradesman Saver, our construction insurance policy includes a number of additional covers as standard, including legal expenses, financial loss and accidental death cover. This gives you some of the most comprehensive cover around.

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Prices start from £53.76

Construction insurance quote examples

£53.76 / year A builder working on domestic and small commercial properties less than 10 metres in height, including new builds, alterations and repairs
  • Sole trader
  • No employees
  • 5 years experience
  • Based in Cornwall
  • No claims

Automatic Covers

  • Public Liability £1,000,000
  • Financial Loss £10,000
  • Products Liability £1,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident Not Insured
  • Employers Liability Not Insured
  • Tools / Equipment Not Insured
  • Contract Works Not Insured
  • Professional Indemnity Not Insured
£81.75 / month £924.00 / year A construction firm working on commercial and domestic properties including new builds, alterations and repairs
  • Limited Company
  • 3 Employees
  • 5 years experience
  • Based in Surrey
  • No claims

Automatic Covers

  • Public Liability £5,000,000
  • Financial Loss £10,000
  • Products Liability £5,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents £10,000
  • Personal Accident £50,000
  • Employers Liability £10,000,000
  • Tools / Equipment £3,000
  • Contract Works £50,000
  • Professional Indemnity £50,000

The above quote examples were taken from our online system on 30/01/24 and include insurance premium tax but exclude our £5 admin charge.  These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

What is the excess under a construction insurance policy?

Most insurance policies are subject to an excess, which is the amount you agree to pay towards a claim. You’ll find information on standard excesses under a Tradesman Saver construction insurance policy below, but you should check your own to see exactly what applies to your policy. This is because the excess can vary depending on the kind of work you do.

Insurance coverExcess
Public Liability£250
Products Liability£250
Employers LiabilityNo Excess
Financial Loss10% of claim value(£2,500 minimum)
Professional Indemnity£250
Contract Works£250(£500 Theft/Malicious Damage)
Tools / Equipment£100(£250 Unattended vehicle)
Legal ExpensesNo Excess

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Construction Insurance: Frequently Asked Questions

Do I legally need construction insurance?

The only time you legally require construction insurance is if you employ members of staff, in which case you need employer’s liability insurance by law. However, not only will construction insurance safeguard your finances, but will make prospective customers more likely to hire you.

How much construction insurance do I need?

The amount of construction insurance you require depends on things like how risky your jobs are, how big your contracts are, and how expensive your equipment is. Unsure how much you need? We can help you work this out.

How do I make a claim on my construction insurance policy?

Check that you’re within the time limits for making a claim and that your policy covers the type of claim involved. We also recommend finding out what this excess is so you know what the insurer will deduct from the claim. If you feel that your policy covers what you need to claim for, get in touch with us and we’ll take it for there. We’ll liaise with your insurance provider and keep you updated throughout the claims process.

What information do I need to provide?

When obtaining a construction insurance quote from us, you’ll need to provide basic details like your name, address and the type of work you do. We will also need to know the size of your business, which involves giving information about your annual turnover and how many workers you have. We may also request details regarding previous insurance claims. All of this information is needed by the insurance company to accurately assess the risk and set the correct premium.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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