Expert insurance policies for the construction industry for less than £55 per year
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Compare QuotesOur standard cover is:
Construction business insurance provides a series of covers under one umbrella policy. Together, they provide cover for construction workers in case of any accident or injury to you, your team, or any members of the public, as well as property damage both on and offsite.
The construction insurance packages from Tradesman Saver feature the main covers you need, including public liability insurance, products liability insurance and employer’s liability insurance. This means you can get on doing what you do best safe in the knowledge that your business is safeguarded from any accidents.
Construction professionals and businesses need comprehensive insurance to protect themselves against liability claims. At Tradesman Saver, we offer a wide range of construction insurance policies for businesses and individual builders, including public liability insurance, and professional indemnity insurance. Even the most seasoned professionals within the construction industry aren’t immune from potential incidents. The possibility of accidental damage or injury to your employees, or a member of the public, can be financially disastrous if you’re not covered by a comprehensive policy. Construction business insurance offers peace of mind to workers and clients alike that, if any such events happen, anyone affected will be entitled to the compensation they deserve.
Here at Tradesman Saver, we offer affordable construction liability insurance to ensure that everyone can get the cover they require. To create a tailored policy that’s ideal for your requirements, fill out our online form today.
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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.
Finding the right insurance policy for your construction business can be a challenge. There’s so much terminology to try and get your head around and it can often leave you feeling more confused than when you started! The one cover you need to know about though is public liability.
Public liability insurance for construction workers is essential, covering your business for any injury to third parties or damage to their property. It even protects you from claims made against you by your clients, or members of the public, who may have been hurt by your business’ activities. Among the situations it covers are:
Regardless of your team’s level of expertise, accidents happen. If inadvertent damage or injury occurs as a result of something your workers have done — whether to another worker or a member of the public — you need to be certain that any legal fees or compensation you must pay won’t put you out of pocket. Public liability insurance for the construction sector allows you to rest easy knowing that if the worst does happen, you’ll be covered, no matter the circumstances.
How much constructors insurance costs depends on factors like the type of buildings you construct, your experience and your claims history. The type of cover you choose can affect the price too.
Here at Tradesman Saver, our construction insurance policy includes a number of additional covers as standard, including legal expenses, financial loss, business interruption and accidental death cover. This gives you some of the most comprehensive cover around.
Compare Quotes
£54.88 / year A bricklayer working on domestic and small commercial properties less than 10 metres in height, including new builds, alterations and repairs
£100.92 / month £1,136.80 / year A construction firm working on commercial and domestic properties 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 cover you require.
Most insurance policies are subject to an excess, which is the amount you agree to pay towards a claim. The table shows information on standard excesses under a Tradesman Saver construction insurance policy but you should check to see exactly what applies to your policy. This is because the excess can vary depending on the kind of work you do and how the policy has been tailored to you.
| 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
The only time you legally require construction insurance is if you employ members of staff, in which case you need employer’s liability insurance by law. However, not only will construction insurance safeguard your finances, but will make prospective customers more likely to hire you.
The amount of construction insurance you require depends on things like how risky your jobs are, how big your contracts are, and how expensive your equipment is. Unsure how much you need? We can help you work this out.
Check that you’re within the time limits for making a claim and that your policy covers the type of claim involved. We also recommend finding out what this excess is so you know what the insurer will deduct from the claim. If you feel that your policy covers what you need to claim for, get in touch with us and we’ll take it for there. We’ll liaise with your insurance provider and keep you updated throughout the claims process.
When obtaining a construction insurance quote from us, you’ll need to provide basic details like your name, address and the type of work you do. We will also need to know the size of your business, which involves giving information about your annual turnover and how many workers you have. We may also request details regarding previous insurance claims. All of this information is needed by the insurance company to accurately assess the risk and set the correct premium.
