Builder's insurance from £53* with FREE legal expenses & accidental death cover*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader
Insurance You Can Depend On
Working as a builder can be pretty taxing at times. Whether you’re a sole trader or run a band of builders, work as a labourer on-site or own a whole construction business, your job can be pretty stressful at times. On top of balancing invoices, ordering in supplies and managing your accounts, you sometimes have to contend with the unfortunate reality of an accident. A compensation claim really is the last thing you want to deal with when you kick off your shoes at the end of a long day and sit down to a cup of tea.
Fortunately, this is where we can lend a hand. Here at Tradesman Saver, we’ve been helping builders, like yourself, find the right insurance to protect their business. Our elite package of covers contains everything you could possibly need, including public liability insurance and even free legal expenses insurance, to ensure that no matter what happens, your business is protected. Build your unique quote with our online quote form and get insurance that works as hard as you do.
Get Your Legal Expenses Insurance: FREE With Every Policy
Legal expenses is standard
We include legal expenses cover of £250,000 on every policy to give you all-round protection.
24-hour legal helpline
No need to wait until working hours to get help. Get on the phone with our legal experts 24/7.
Online legal services
Find a wealth of legal resources. Download legal document templates at the click of a button.
Tax & VAT investigations
In a crisis with the taxman? Get help with tax & VAT investigations, included as part of your cover.
Builders Insurance - Automatic Covers
Builders Insurance - Optional Covers
Public Liability Insurance For Builders
When you’re on the hunt for builder’s insurance, the first thing you’re likely to consider is public liability insurance. But what does it mean, and what does public liability insurance actually do for you in your trade?
Think of public liability insurance like the bread and butter of your insurance sandwich. Simply put, it covers claims made against you by third parties or their property for any injury or damage caused as a result of your business activities. This makes it a fundamental cover for any builder.
It covers incidents such as:
- Damage to a client’s vehicle as the result of scratching it when transporting supplies
- A client tripping over the cable of your power tool
- Damage to a client’s neighbour’s fence when putting up an extension
- A member of the public tripping over your supplies on a public footpath
There are also other forms of liability insurance worth considering too. For instance, employer’s liability insurance is a legal requirement if you employ anyone. Products liability insurance protects you from claims arising out of a product you’ve sold or supplied. And professional indemnity insurance covers you for claims of professional negligence. All of these are useful considerations when choosing to take out your own public liability insurance.
Online & anywhere
We like to keep things simple. Your quote, purchase & documents are all available online, anytime.
Cover is instant
No need to wait for your documents. You're covered from the moment you purchase.
Products liability, legal expenses and accidental death cover as standard on every policy.
Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.
It Shouldn’t Happen To A Builder
Here are some examples of claims:
A fall from grace
You’re working on a site and your employee is up on a ladder. The ladder is faulty and breaks while they’re on it, causing considerable injury to the employee involved, and they choose to claim compensation from you. In this case, your employer’s liability insurance is your saviour – it will pay off the costs of the compensation, which will keep your work on site running on schedule.
The problem with render
You’re building an extension and you’re applying render to the brickwork, when you accidentally splash some on your customer’s car. They are furious and choose to seek compensation from you for the damage. Your public liability insurance can really help here – it will pay the costs of repairing the damage, so you can focus on the task at hand.