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Construction Public Liability Insurance

Affordable public liability insurance for construction companies

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There are many insurance options which would benefit your construction business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a construction business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as a construction company and you can get your quote online in minutes.

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What’s included with our Automatic Cover

How our construction public liability insurance works

Working in the construction industry can be a really tough career path, especially when you run your own construction business. You spend your whole day out on construction sites, doing your job. Then you come home and before you’ve even had a chance to kick your shoes off, you have to get straight back to work again, wading through stacks of paperwork, invoices and taxes. It’s enough to drive anyone round the bend, but after all of that the very last thing you want to have to worry about is the possibility of compensation claims and accidents. All you want is to make a cup of tea, put up your feet and relax with total peace of mind that no matter what goes wrong, you’re covered.

Why do you need construction public liability insurance?

Here at Tradesman Saver, we seek to make that dream a reality for you. We’ve been working with those who work in the construction industry for over a decade and, in that time, we’ve learned exactly what businesses like yours really need from their insurance policy. We’ve put together our construction public liability insurance policy, which combines public liability insurance with a host of other covers, including legal expenses cover and products liability insurance. There’s even optional covers like tools & equipment cover and employer’s liability insurance to ensure every detail is covered in your policy with us. So, what are you waiting for? Fill out our online quote form and only pay for the covers you need. Because that’s how simple insurance should be.

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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.

Understanding Public Liability Insurance For Construction

Finding the right insurance policy for your construction business can be a challenge. There’s a whole wealth of insurance terminology to try and wade through 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 is like the foundation of your insurance policy. It covers 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. It is one of the most vital covers to consider when trying to buy your construction insurance and will provide protection from a range of accidents that you may encounter in your day-to-day role.

It offers protection from situations such as:

  • Accidental damage to a client’s property whilst you’re working
  • A client tripping over the cable of your power tool
  • Damage to a client’s neighbour’s fence whilst you’re on a job
  • Injury caused to a member of the public through tripping over your toolbox

There are a host of other covers to consider when taking out your construction insurance as well, and these will cover a variety of other situations you may face. For instance, employer’s liability insurance is an absolute necessity if you’re employing staff, tools and equipment cover can be a Godsend if someone steals your tools, and contractor’s all risks insurance covers all ongoing work on a constructions site. There’s also personal accident and sickness insurance, which can help you pay the bills if you’re unable to work for over 7 days.

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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 2021 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
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