Builders Insurance
Insurance for builders, starting less than £59* per year
Not on comparison sites — save money by coming direct to us
Get a quote
Tradesman Saver’s Builders Liability Insurance Cover
Our standard cover is:
- £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 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)
Whether you’re a hod carrier, house builder or something else, builders’ liability insurance helps builders like yourself protect your finances when unexpected incidents like injuries and theft could otherwise prove costly.
The tailored builders insurance packages from Tradesman Saver contain everything you could possibly need, including covers such as public liability insurance, products liability insurance and employer’s liability insurance. This ensures that, no matter what happens, your business is protected from any accidents which occur on or offsite.
Why do you need builders insurance?
On top of balancing invoices, ordering supplies and managing your accounts, you sometimes have to contend with the unfortunate reality of an accident affecting you or your staff while on the job. Applying for a tailored builders liability insurance policy can make your life a great deal easier, not to mention safer. It gives you peace of mind and the confidence to go ahead with work without worrying about compensation claims biting you. Customers are also much more likely to hire a business that’s insured because it shows that the owner takes their work seriously and can be trusted.
Here at Tradesman Saver, we keep the cost of our builders insurance low because safety shouldn’t break the bank. To build a unique builders insurance package to suit your needs, fill out our online form for insurance that works as hard as you do.
What’s included with our Automatic Covers
Learn more about our Optional Covers
Your 60 Second Guide To: Builder’s Insurance
How our builders insurance works
Complete our simple quote form with basic details about your business
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
Understanding public liability insurance for builders
When you’re looking to purchase builders insurance, you’ll hear lots of different terms thrown around. But arguably the most important of these is ‘public liability cover’. This is the foundation of any insurance policy, covering injury to third parties and damage to their property. As such, it protects you from claims made against you by your clients or members of the public. This could cover situations including:
- Accidentally damaging your client’s vehicle by splashing render on it during a job
- A client tripping over a cable from one of the power tools you’re using
- Damage to a client’s neighbour’s fence while building an extension
- Injury to members of the public who have fallen into an uncovered trench
Why do you need public liability insurance for builders?
Working as a builder is tough. When you spend all day building other people’s dreams, it’s easy to forget about your own, like running a safe and secure business. But this is definitely not worth putting on the back burner, and it’s imperative to choose a comprehensive builders public liability insurance policy. This will help you realise this dream by protecting your business’ financial future from any potential accidents.
How much does builder’s insurance cost?
The cost of your builders insurance will depend on a number of different factors, including the kind of properties you work on, how long you have been trading and whether you have any employees. The type of cover you select can also affect the price of your insurance.
Our Tradesman Saver policy for builders includes lots of extra covers as standard, including legal expenses, financial loss and accidental death cover. This gives you some of the widest coverage available at a price that you’ll find hard to beat elsewhere.
Get a quoteBuilder’s insurance quote examples
£58.76 / 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 London
- No claims
Automatic Covers
- Public Liability £2,000,000
- Financial Loss £10,000
- Products Liability £2,000,000
- 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
£82.84 / month £941.32 / year A builder 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 17/05/23. 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 builder’s insurance policy?
Most insurance policies will be subject to an excess. This is the amount you will be expected to pay in the event of a claim. Detailed below are the standard excesses under a Tradesman Saver policy but you should check your own quotation to see exactly what excesses apply to your policy as these may vary dependent upon the type of work you do.
| Insurance cover | Excess |
|---|---|
| Public Liability | £250 |
| Products Liability | £250 |
| Employers Liability | No Excess |
| Financial Loss | 10% of claim value(£2,500 minimum) |
| Professional Indemnity | 10% of claim value(£2,500 minimum) |
| Contract Works | £250(£500 Theft/Malicious Damage) |
| Tools / Equipment | £100(£250 Unattended vehicle) |
| Legal Expenses | No Excess |
Chosen by over 5000 businesses and counting *
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Monthly Instalments
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Instant Cover
No need to wait for your documents. Our tradesman cover starts from the date you select.
Added Protection
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Builders InsuranceRelated Articles
- What Insurance Does a Self-Employed Builder Need?
4 min read - Automated Construction: Are You At Risk Of Losing Your Job?
5 min read - MyBuilder: how does it rate for tradesmen compared to the alternatives?
6 min read - How to Get the Right Insurance for Builders
5 min read - Is Professional Indemnity Insurance necessary for Builders?
10 min read - Is Jewson The Best Supplier In Town: Our Review As Part Of The Builder’s Supplies & Tools Review Series
6 min read - Chancellor Unveils £44 Billion Budget Housing Boost
2 min read - Toolstation On Trial: Our Toolstation Review As Part Of The Builder’s Supplies & Tools Review Series
5 min read - Why you need Builder’s Insurance & examples of claims
4 min read - What does Public Liability Insurance for Self-Employed Builders cover?
4 min read - Keeping Safe As A Builder
3 min read - Automated Construction: Are You At Risk Of Losing Your Job?
3 min read
Builders Insurance: Frequently Asked Questions
Builders liability insurance isn’t one single thing. Instead, our cover incorporates a number of key insurance policies. 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. As well as employer’s liability, we also provide optional cover for:
Most 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 damages or injuries at any point, as long as they can prove that their policy was valid at the time of the incident in question.
From hod carriers and house builders, to commercial builders and contractors, we insure most kinds of builders (not self-build) here at Tradesman Saver. So, regardless of your exact profession, you’re sure to get the cover you need as a builder.
You will need to provide basic information such as your name, address and what kind of work you do. Insurers will also want to know the size of your operation, which involves supplying details of your annual turnover and how many people you have working for you. It’s always worth having details of previous claims to hand too, as insurers may ask for these.
In order to make a claim on your Tradesman Saver policy, you’ll need to contact us as soon as possible to register your claim. Please check you’re eligible to make a claim by finding the dates covered by your policy, making sure what you’re claiming for is covered and confirm how much the excess is.
Once you’ve let us know, we will review the claim and notify your insurer. We’ll work with your insurer to achieve the best possible outcome for you and will keep you updated during the claims process through to settlement.
A Few Building Trades We Cover
- Property Maintenance Insurance Insurance for a property maintenance business for less than £62* per year Read more
- Ground Worker’s Insurance Public liability insurance for a ground worker, at a price you can afford Read more
- Bricklayer’s Insurance Public liability insurance for a brick layer, starting at less than £59* per year Read more
