Expert insurance policies tailored to the construction industry from £53 a year* — automatically including:
- Public Liability
- Financial Loss
- Products Liability
- Legal Expenses
- Accidental Death
What is construction insurance?
Construction insurance isn’t actually one single policy, but the shorthand name for a series of covers under one umbrella. 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. Taking out a construction liability insurance policy from Tradesman Saver gives you full cover across all necessary types of insurance. While they’re not legal requirements, they are strongly recommended by the industry as a way to keep your company safe.
Why do you need constructors insurance?
Even the most seasoned professionals within the construction industry aren’t immune from potential danger. The possibility of accidental damage or injury to your team, or a member of the public, can be financially disastrous if you’re not covered by a comprehensive policy. Construction insurance offers peace of mind to workers and clients alike that, in the event of an unexpected accident or harm to people or property, anyone affected will be entitled to the compensation they deserve. Scroll down now to receive an instant free quote.
Tradesman Saver’s Public Liability Cover for Construction
Our standard cover is:
- Up to £5 million cover for public and products liability
- £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)
You will be covered by Tradesman Saver’s construction liability insurance from the moment you pay for your policy, giving you cover with a maximum indemnity limit of £1 million, with optional increases to £2 million or £5 million if required.
Construction workers constantly battle with high-risk situations every day on the job, so ensuring your business is safeguarded from potential claims is an absolute must. While public liability insurance is key for those working in construction, contractors’ all risks insurance is actually one of the most important covers for your line of work.
Contractors’ all risks insurance includes a range of benefits, from covering all ongoing work on site to covering any hired-in plant or machinery. It could come in great help if, for instance, a fire elsewhere in the property damages your work, or any equipment is stolen from the site. Employer’s liability insurance is another legal requirement for any construction company which employs staff. It offers protection from your employees making a compensation claim against you for injury. For subcontractors, the rules are slightly different, but you will need to ensure that they have their own comprehensive cover in place.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Your insurance policy starts from the second you click “Purchase”.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Construction Insurance: Frequently Asked Questions
Why is construction insurance important?
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 need to 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.
What does construction industry insurance cover?
Construction insurance relates to several different types of policies, all of which are essential if you are conducting this work on building sites or private properties. The most important to anyone working in construction is public liability insurance, which covers any harm which may befall people outside of your team onsite, or damage to the property itself. We also offer product liability insurance, which provides cover against any injuries suffered by members of the public from installations or improvements you have made to a construction project.
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