Builders Insurance
Insurance for builders, starting less than £59* per year
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Quick Online QuoteTradesman Saver’s Builders Liability Insurance Cover
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)
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 elite 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 Cover
- Public LiabilityLearn more »
- Financial LossLearn more »
- Products LiabilityLearn more »
- Legal ExpensesLearn more »
- Accidental DeathLearn more »
Learn more about our Additional Cover Options
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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 tripped over 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.
Builder’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
£85.50 / month £971.56 / year A builder working on commercial and domestic properties including new builds, alterations and repairs - Limited Company
- 3 Employees
- 5 years experience
- Based in Liverpool
- 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 26/05/21. 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 & 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 legal expenses and accidental death cover as standard.
Builders InsuranceRelated Articles
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- Toolstation On Trial: Our Toolstation Review As Part Of The Builder’s Supplies & Tools Review Series
- Why you need Builder’s Insurance & examples of claims
- What does Public Liability Insurance for Self-Employed Builders cover?
- Keeping Safe As A Builder
- Automated Construction: Are You At Risk Of Losing Your Job?
Builders Insurance: Frequently Asked Questions
What does builders insurance cover?
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:
How long does business insurance last?
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.
What types of builders do you insure?
From hod carriers and house builders, to commercial builders and contractors, we insure all kinds of builders here at Tradesman Saver. So, regardless of your exact profession, you’re sure to get the cover you need as a builder.
What information do I need to provide to apply for builders insurance?
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.
How do I claim on my builders insurance policy?
In order to make a claim on your builders’ insurance policy, you’ll need to contact your insurer as soon as possible to request a claim form. Be sure to check you’re eligible to make a claim by finding the dates covered by your policy, making sure you’re covered for what you’re claiming and confirm how much the excess is. Once you’ve filled in the form and sent it off, the insurer will decide if your claim is valid or not before settling it.
A Few Building Trades We Cover
