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Builders Insurance

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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, self-employed builder, 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 to cover the cost, including covers such as public liability insurance, products liability insurance, professional indemnity 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 business insurance for builders?

The construction industry is one of the UK’s largest industries. Today, more than 9% of all workers are involved in construction – whether for a large firm, a small building company or as independent contractors. This industry is not only incredibly large, it’s also one of the most dangerous to work in or around. That’s why it’s essential to protect yourself, your colleagues, and the general public with tried and trusted builders’ public liability 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.

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Your 60 Second Guide To: Builder’s Insurance

How our builders insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

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.

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How much does business insurance for builders 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.

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Prices start from £53.76

Builder’s insurance quote examples

£53.76 / 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 £1,000,000
  • Financial Loss £10,000
  • Products Liability £1,000,000
  • 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 £966.56 / year A builder working on commercial and domestic properties including new builds, alterations and repairs
  • Limited Company
  • 3 Employees
  • 5 years experience
  • Based in 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 £2,000
  • Contract Works £50,000
  • Professional Indemnity £50,000

The above quote examples were taken from our online system on 30/01/24 and include insurance premium tax but exclude our £5 admin charge.  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 £250
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

    Online & Anywhere

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

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

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:

Does builder’s insurance include tools insurance?

Yes, builders insurance from Tradesman Saver does include tools insurance to protect your essential work equipment. If your tools are damaged, lost or stolen, we may be able to help you replace them at no additional cost. However, it is worth noting that this must be due to tool failure, or an event which wasn’t your fault – if you purposely damage tools, or leave them in an exposed location, it is possible that you may not be covered. Of course, this all depends on the exact circumstances around which you’re making a claim, so in most instances – so long as you behave like a professional, you’ll be covered.

Our builder’s insurance also covers any public injury or damage related to your tools. For example, if a member of the public trips over a wire or cable and injures themselves, or if the tool causes unforeseen damage to a client’s property, then our public liability insurance cover would protect you, even if it is technically related to your tools.

How long does builders 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 most kinds of professional 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. If you’re not sure whether we’re able to offer builders’ public liability cover for your extremely specialised role on the jobsite, don’t hesitate to get in touch!

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. Having the right business insurance for builders is absolutely essential – failing to protect your construction company or independent contractors’ business can have disastrous results.

You might be wondering why, exactly, you need to provide all this information? Essentially, the more information you can give us, the more we can tailor your policy, and ensure you recieve the cover you need to effectively protect yourself, your business and the general public. Having the right builders’ insurance in place can protect your business, and provide employers’ liability cover in the event that your employees are injured on the job.

How do I claim on my builders insurance policy?

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. Depending on the nature of your claim and the cover you have with your insurance provider, this may include legal costs through legal expenses insurance, compensation for injuries and more.

*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. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. 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 2024 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 our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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