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Constructors Insurance

Protect yourself against third party claims with our constructors insurance policy

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Home » Constructor’s Insurance

Tradesman Saver’s Public Liability Cover For Constructors

Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £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)

A constructors insurance policy contains many valuable covers, 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 covers which allows 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.

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How our constructors insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

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 work injuring your client or a member of the public—requires having some kind of policy in place to keep you 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.

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

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.

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 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 our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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