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Accidental Death Insurance

Standard cover if you or an employee is accidentally killed

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Tradesman Saver’s Accidental Death Cover


Included as standard with our public liability policy

Our standard cover is:

  • £10,000 following accidental death of you or any of your employees

Accidental death insurance is automatically activated from the moment of purchase. This provides our customers cover with an indemnity limit of £10,000, which is the most we’ll pay out in a single claim. Please contact us if you feel this figure isn’t enough to meet your requirements so we can arrange appropriate, increased cover.

Accidental death insurance is provided as standard with all Tradesman Saver policies. This automatic package includes all the coverage businesses need to protect themselves against any unexpected, hazardous circumstances. You’ll be insured for public liability, which is very important, as this covers the cost of all compensation and legal expenses if your work causes personal injury to a third party, or damages property. A serious accident could leave businesses thousands, or even millions of pounds out of pocket for serious accidents, but public liability insurance means you’ll never have to bear that burden. 

Product liability and financial loss insurance is also included, and we provide up to £250,000 for legal expenses on top of a 24-hour legal helpline. Though all these covers are automatically part of any Tradesman Saver policy, it may be wise to add some further, optional protection. Tradesmen can benefit from professional indemnity insurance, which pays out if your business provides poor service or bad advice, resulting in legal action. Another useful policy may be contractors all risk, a comprehensive cover that safeguards you against all the dangers that come with being a contractor. Contact us to arrange a personalised insurance policy, offering your business all the protection it needs.

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What’s included with our Automatic Cover

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What is accidental death insurance?

When working as a tradesperson, there are workplace hazards wherever you turn. As a business owner, of course you don’t want to think about the possibility of you or any of your employees being killed on the job. However, preparing for the worst is always in your company’s best interest. And with accidental death insurance, we’ll immediately issue a lump sum payment of £10,000 after the unexpected death of anybody in your team under the age of 70.

Why do you need accidental death insurance?

Your job may be very rewarding, but life as a tradesperson means you can’t ignore the potentially dangerous nature of your work. For instance, if you’re an electrician, you may be working closely with high-power wires. Or if you work in construction, any power tools you use could have fatal consequences if something were to go wrong. As well as having to deal with the emotional repercussions of an accidental death, this could also be terrible news for your company’s finances. Luckily, our cover means your business can continue to function following a tragedy.

You can buy accidental death insurance online with Tradesman Saver as part of our standard automatic package, giving you peace of mind at no extra charge.

Chosen by over 5000 businesses and counting *

Online & Anywhere

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

Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Instant Cover

No need to wait for your documents. You’re covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.

* Total number of live policies as at 31/03/2022
£50 from
me to you.

When a friend you refer takes out a new policy, we’ll give £25 to them, and £25 to you.

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Accidental Death Insurance: Frequently Asked Questions

Is accidental death insurance worth having?

It’s certainly a good idea for businesses to have accidental death insurance in place. Though it may seem unlikely that such a serious incident could happen in your workplace, some accidents can’t be prevented. With an accidental death policy in place, you’ll have peace of mind in knowing that if the worst were to happen, your business would be safe from any financial burden that could follow.

What does accidental death insurance cover?

Accidental death insurance covers the deaths of you or any of your employees who are under the age of 70. This must be as a result of a sudden, unexpected incident. You won’t be covered if anyone dies by suicide or self-harm, illness or disease, or reckless behaviour—including any incidents in which they are under the influence of alcohol or drugs.

How much accidental death insurance do I need?

Here at Tradesman Saver, we offer our customers a lump sum payout of £10,000 in the event of an accidental death. However, you may feel this will not be enough to cover the impact that a sudden death could have on your company. It’s worth considering how dangerous your work is, and how much money you’d need to support your business if you or an employee was unexpectedly killed. If you require a higher indemnity limit, do get in touch so we can arrange a bespoke policy for you.

How much does accidental death insurance cost?

We offer accidental death insurance for as little as £53 a month, and this also covers you for public liability, product liability, financial loss, and legal expenses. However, the cost will depend on a number of factors. You may have to pay more if your job is particularly high risk, and we’ll also consider things like the length of your contracts and the size of your clients. For the best price estimate, get a free quote with Tradesman Saver.

How do I claim accidental death insurance?

It’s very easy to claim accidental death insurance with Tradesman Saver. Simply contact us with all the details of the incident so we can review the claim. We may sometimes require additional information, like medical forms, and if the claim is successful, we’ll issue payment immediately.

What is accidental death insurance vs life insurance?

Unlike accidental death insurance, which offers a lump sum payout after any deaths caused in unexpected circumstances, life insurance doesn’t consider how exactly the person in question has died. As such, it also covers death by illness, and this must occur within a particular time frame—generally anywhere from 10 to 30 years—agreed with the insurance provider.

*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. 19% of new customers paid less than £59 between 1st January 2021 and 28th February 2021. 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 2022 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 this on the Financial Services register.
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