What is builders insurance?
Builders liability insurance gives companies the right cover to protect their business. The elite builders insurance packages from Tradesman Saver contain everything you could possibly need, including covers such as public liability insurance and even free legal expenses insurance. This ensures that, no matter what happens, your business is protected for any accidents which occur onsite and off.
Why do you need builders insurance?
Even though we’re an insurance company, we know that working as a builder can be pretty taxing at times. Whether you’re a sole trader or run a band of builders, working onsite or managing a construction empire remotely, new issues are always popping up. On top of balancing invoices, ordering in supplies and managing your accounts, you sometimes have to contend with the unfortunate reality of an accident affecting you or your staff whilst on the job. Applying for a tailored home builders insurance policy can make your life a great deal easier, not to mention safer, and we keep the cost of our home builders insurance low because peace of mind shouldn’t break the bank. To build a unique builders insurance quote to suit your needs, fill out our online form for insurance that works as hard as you do.
Tradesman Saver’s Public Liability Cover For Builders
Our standard cover is:
- Up to £5 million cover for public and products liability
- £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)
When you’re on the hunt for builder’s insurance, the first thing you’re likely to consider is public liability insurance, which is the core part of any home builders insurance policy. Simply put, it covers any 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.
Our standard cover includes all of our five automatic covers. This protects against incidents such as flood damage from nailing through a pipe, accidentally damaging a neighbour’s wall while working on a property, or a member of the public tripping over your cables, rubble or supplies on site or on public footpaths. Products liability insurance protects you from any claims arising out of a product you’ve sold or supplied. It will also help cover any incurred legal expenses that result from an accident.
There are also other forms of liability insurance worth considering. For instance, employers’ liability insurance is a legal requirement if you employ anyone; professional indemnity insurance covers you for claims of professional negligence; and tool and equipment insurance might be worth considering for your particular building business.
Online & Anywhere
We like to keep things simple. Your quote, purchase & documents are all available online, anytime.
No need to wait for your documents. You’re covered from the moment you purchase.
Public Liability, products liability, financial legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.
Builders Insurance: Frequently Asked Questions
What does builders insurance cover?
Home builders insurance isn’t one single thing. Instead, our cover spans across a number of key insurance policies, which we package under this wider label. At Tradesman Saver, we include products and public liability, financial loss, accidental death and legal expenses cover as standard in all of our builders insurance policies. We also provide optional cover for employers liability, protection for tools and equipment, personal accident, professional indemnity and contractors all risks.
How long does builders insurance last?
The majority of builders liability insurance policies are taken out on a twelve-month basis, and can be renewed annually. Customers will be able to make a claim for any damages or injuries at any point, though, as long as they can prove that their policy was valid at the time of the incident in question.
What information do I need to provide for builders insurance?
You will need to provide basic details such as your name, address and what kind of work you are engaged in. An insurer will also want to know the size of your operation, so you will be required to supply details of your annual turnover and how many people you have working for you. Insurers will also ask for details of any previous claims so it’s always worth having these to hand.
Fantastic and very quick thank you
quick easy to set up and good value- was recommended by another tradesman
Easy to get quote & pay, which was good,hopefully won’t find out if they are any good at claims