Protect yourself against third party claims with our constructors insurance policy
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What is constructors insurance?
Whether working on a contract basis, or in charge of your own business, working in construction is fraught with potential liabilities. Constructors insurance can give you the wide-ranging protection that a generic policy simply can’t provide, whether that’s covering the cost of work which needs to be redone, or paying out on a claim for an injury sustained by a member of the public as a result of something you’ve done on the job.
Why do you need constructors insurance?
Here at Tradesman Saver, we understand how important it is to have constructors insurance that meets the unique requirements of your job. The inherent dangers of working as a constructor—from putting yourself at risk as part of the job to your completed work injuring your client or a member of the public—requires having some kind of policy in place to keep yourself from full financial liability. Unfortunately, not all off-the-shelf policies are created equal, which is why constructors insurance from Tradesman Saver can offer you peace of mind that your cover will be tailored to your needs, working as hard as you do.
Tradesman Saver’s Public Liability Cover For Constructors
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)
There are many options which are hugely useful parts of a constructors insurance policy, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property, or causes harm to a client or member of the public. For example, you may need to pay compensation if an incorrectly fixed piece of hoarding which you or one of your team fitted comes loose and hits a pedestrian.
Claims such as this can cost a small fortune, but having public liability cover means you won’t be responsible for paying any expenses, even if you are deemed responsible. This is automatically included in our insurance package, which also covers you for financial loss, legal expenses, and accidental death cover.
We also offer a series of additional forms of cover which can allow you to customise your constructors insurance policy to fit your business’s needs. For example, employer’s liability is a legal requirement for anybody who employs staff, while tools and equipment cover will help pay for replacing any of your all-important gear in the event of loss, theft, or damage. Click below to learn more about our policies and get a free online quote in minutes.
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. Our tradesman cover starts from the moment you 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.
It Shouldn’t Happen To A Constructor
Here is an example of a claim:
On a windy day, a piece of incorrectly fixed hoarding gets blown down on the construction site you’re running. It hits a nearby pedestrian and they suffer a concussion. They decide to launch a compensation claim against you. This is where your public liability insurance would come into play – your insurer would pay out the compensation claim and the legal expenses for you, so you can focus on keeping work on the site running smoothly.
Thanks a million. Great product.
Nice and easy to set up. Competitive rates. Hopefully I won’t need to claim but I hope it will go smoothly if needed.
Quick easy and by far the best prices