building constructor in hard hat working on construction site

Constructors Insurance

Protect yourself against third party claims with our constructors insurance policy

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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.

What’s included with our Automatic Cover

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.

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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.

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.

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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 £58 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 2019 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 https://register.fca.org.uk/.
Registered in England No 1842617. Registered Office – Seymour House, 223 Wickham Road, Croydon, Surrey CR0 8TG. All rights reserved.
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