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House Builders Insurance

Public liability insurance for house builders, for less than £59* per year

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Whether you’re constructing a luxury detached property or a large-scale housing estate, building a home is always a risky project. Working with heavy materials and potentially dangerous equipment means disaster could strike at any moment, which is why it’s a good idea to be prepared for things that could go wrong on site. Here at Tradesman Saver, we offer protection with our comprehensive home builders insurance, a dedicated policy covering you against all the unexpected accidents you could face on the job.

Why do you need house builders insurance?

There are many reasons why you, as a house builder, might need to be insured. Your company could be liable if any accidents happen on the building site, like somebody tripping over a toolbox and injuring themselves. What’s more, you may also be held responsible for any issues that arise once the job is complete. For instance, if a mistake during construction means the house doesn’t meet living standards, you might have to pay to fix the damage. To protect your business’s finances from any hefty claims, use our free home builders insurance quote to quickly create a personalised policy.

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What’s included with our Automatic Cover

Public liability insurance is essential for home builders, as this covers you if your work causes property damage or injures a member of the public. If a passerby is hit by a falling brick, or you smash a car window with your ladder, public liability ensures your business won’t have to pay for any legal action taken against you. Claims like this can cause a small fortune, but we spare you the financial burden by covering them on your behalf.

When you take out public liability with Tradesman Saver, you automatically receive a number of additional covers as part of our standard insurance package. This includes financial loss, which you can claim if a third party loses money due to your business activities. For example, if you make a mistake that means the house won’t be completed on time, financial loss insurance covers you for any funds the client will lose as a result of the delay. You’ll also be insured for up to £250,000 worth of legal expenses, and be covered for product liability and accidental death insurance. The latter is crucial if the worst happens and you and a member of your team are killed on site.

Other relevant insurance policies for home builders include employer’s liability, which is a legal requirement for anybody who employs staff, and contractors all risk insurance, protecting you against physical damage to buildings, materials, tools and equipment. Here at Tradesman Saver, we provide all the coverage you may need as a home builder, and you can get your online quote in minutes.

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Why Us?

Online & Anywhere

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

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

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

Monthly Instalments

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

What does home building insurance cover?

Here at Tradesman Saver, we don’t offer home building insurance as one predetermined policy. Instead, we allow you to mix and match different covers to create a personalised insurance package perfectly tailored to your business. All customers receive public liability, product liability, financial loss, legal expenses and accidental death insurance with any Tradesman Saver package. It’s then up to you whether you add any useful optional covers like business contents insurance or income protection as well.

When do I need builders insurance when building a house?

It’s vital that you activate your Tradesman Saver home builders insurance before you begin a job, as you won’t be covered for any accidents that happen prior to your policy’s start date. This cover is usually arranged on a twelve-month basis, but it’s easy to extend this if construction is likely to take longer than a year.

How much is home builders insurance?

Home builders insurance with Tradesman Saver can be activated from as little as £58 a month, however, the price depends on a number of other factors. The size of your clients, the length of your jobs, how many claims you’ve had in the past, and the amount of coverage you desire will all affect the policy’s final cost.

Examples of Home Builders Insurance Claims

Understanding exactly how your home builders insurance protects you can really help you reap the advantages of your policy. We’ve outlined some examples below, demonstrating how certain covers will benefit you on particular occasions:

 

Clumsy pedestrians

You’re building a new house for a client, and have temporarily left some building materials outside the construction site while you deal with an emergency. Unfortunately, a passerby walking on the pavement is glued to their phone, so they don’t notice the materials and fall over them. They sustain an injury and decide to seek compensation from you. In this case, your public liability insurance covers the costs of the claim, so you can remain focused on building the house.

Stolen tools

You leave your tools on the construction site one night, but when you return to the site to continue building the home, you realise everything has been stolen. Luckily, tools & equipment insurance will save your bacon here. As we will cover the costs of replacing your missing tools, you won’t end up paying for someone else’s greediness.

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*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 and our admin charge. 22% of new customers paid less than £59 between 1st January 2019 and 31st August 2019. 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 2019 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 this on the Financial Services register https://register.fca.org.uk/.
Registered in England No 1842617. Registered Office – Seymour House, 223 Wickham Road, Croydon, Surrey CR0 8TG. All rights reserved.
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