Insurance for builders, starting less than £55 per year
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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 cover 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, tools 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.
Building work can be extremely dangerous, even for trained professionals. So, you’ll need to protect yourself, and the general public, if something goes wrong. If someone makes a claim against you for their injuries, or damage to their property, then public liability insurance can protect you by covering your legal costs and any compensation you might need to pay.
While not a legal requirement for businesses in the UK, public liability insurance for builders could be the only thing standing between you and potentially ruinous legal claims. Even with the best health and safety processes in place, accidents can happen. Thank to Tradesman Saver’s insurance for builders and the construction industry, with the right cover you’ll be able to rest easy with a wide range of cover available, from building insurance, contract works insurance, public liability insurance and tools and equipment insurance.
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Complete our simple quote form with basic details about your business.
Compare quotes from our panel of insurers & chose any optional covers you may need.
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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 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 legal fees or 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.
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 important 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, disputes over poor workmanship or repair costs arising from your work.
While not legally required, public liability insurance is hugely important for large and small businesses of all kinds, including major construction businesses and self-employed workers.
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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£54.88 / year A bricklayer working on domestic and small commercial properties less than 10 metres in height
£100.92 / month £1,136.80 / year A builder working on private dwelling houses including new builds, alterations and repairs
The above quote examples were taken from our online system on 06/11/25 and include insurance premium tax but exclude our £10 admin charge. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of business insurance cover you require.
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. The table shows 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 |
* Total number of live policies as of 31/10/2025
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 fees cover as standard in all of our builders insurance policies. As well as employer’s liability, we also provide optional cover for:
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 tools insurance also covers any public injury or damage related to your machinery, tools and equipment. 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.
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 or contract works cover 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 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! As mentioned, we also provide tools insurance, to make sure you’re fully insured as a professional.
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.
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.
From only£75per year 
From only£55per year 
