Insurance for shed builders, starting less than £55 per year
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Compare QuotesOur standard cover is:
Building garden sheds might seem like a straightforward job, but the reality is that your work carries significant risks that could threaten your livelihood. Whether you’re constructing a simple storage shed or creating a bespoke garden office, accidents can happen at any moment. From heavy timber falling and causing injury to a client, to accidentally damaging underground pipes whilst laying foundations, the potential for costly claims is always present.
Garden shed builders insurance provides the financial protection you need to operate with confidence. Without proper coverage, a single accident could result in compensation claims running into thousands of pounds, potentially forcing you to close your business.
Our comprehensive policy ensures that when things go wrong, your business remains protected, allowing you to focus on what you do best – creating quality outdoor structures for your customers.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength All insurance policies provided by Standard & Poor’s A rated insurers
Our Tradesman Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
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.
Choose the quote that’s right for you, activate your policy and view your certificates online.
Our standard automatic covers provide essential protection for your business:
This vital coverage protects you against claims for injury to third parties or damage to their property. For instance, if a sheet of roofing material slips from your hands and damages a customer’s car, public liability insurance covers the repair costs and any legal fees. The standard limit is £1 million and this can be increased up to £2 million, £5 million or even £10 million for an additional charge.
Once you’ve completed a shed installation, this coverage continues to protect you. Should a shed collapse months later due to a construction fault, causing damage or injury, products liability ensures you’re covered for any resulting claims.
Sometimes your work might cause indirect financial losses to customers. If a poorly secured shed door allows thieves to steal valuable garden equipment, this coverage helps protect you from the resulting compensation claims.
Legal disputes can arise even when you’ve done nothing wrong. This coverage ensures you have access to quality legal representation without worrying about mounting solicitor fees.
Whilst we hope it’s never needed, this provides financial support for your family should the worst happen whilst you’re working.
Garden shed construction presents specific challenges that general builders might not encounter. You often work in confined garden spaces where neighbouring properties, greenhouses, and established landscaping create obstacles. The proximity to residential areas means there’s always potential for accidental damage, whether it’s a timber beam scratching a conservatory window or concrete splashing onto a neighbour’s prized flower bed.
Working at height whilst constructing roof structures poses additional risks, particularly when autumn leaves make surfaces slippery or winter weather creates hazardous conditions. You’re also handling heavy materials in areas where children and pets might unexpectedly appear, increasing the risk of accidents. These unique circumstances make specialised insurance coverage absolutely crucial for your protection.
Ready to protect your Garden Shed business with comprehensive insurance coverage? Get a quote today. It’s quick and simple – our online form takes just minutes to complete, and you’ll receive an instant quote tailored to your specific needs. With decades of experience insuring skilled tradespeople, we understand the unique requirements of your business and can help you build the perfect policy for your business.
* Total number of live policies as of 31/10/2025
Beyond our automatic covers, several optional additions can enhance your protection:
Public liability insurance covers you for compensation claims and legal costs if your work causes injury to someone or damages their property. This includes everything from a customer tripping over your tools to accidentally breaking a window whilst manoeuvring timber. It also covers incidents that happen after you’ve left the site – for example, if a shed door you’ve fitted falls off and injures someone. The coverage extends to legal defence costs even if the claim against you is unsuccessful, protecting you from potentially ruinous legal bills.
Yes, you need insurance regardless of whether shed building is your full-time occupation or weekend business. The risks remain the same whether you build one shed or fifty sheds yearly. In fact, part-time builders sometimes face higher risks as they might be less practiced in safety procedures. Our policies can be tailored to suit part-time traders, ensuring you only pay for the coverage you need whilst still maintaining comprehensive protection.
Insurance costs vary depending on several factors, including your location, experience, claims history, and whether you employ others. A sole trader with five years’ experience and no claims history might pay as little as £55 per year for basic public liability coverage.
From only£55per year 
From only£55per year 
From only£55per year 
From only£55per year 
From only£55per year 
