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Contractors Insurance

Contractors business insurance, starting at less than £59* per year

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Tradesman Saver’s Contractors Liability Insurance Cover

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)

Contractors liability insurance helps contractors keep their head above water financially should unexpected incidents like injury or theft strike. The top notch contractors insurance packages from Tradesman Saver feature all the covers you need, including the likes of public liability insurance, products liability insurance and employer’s liability insurance. Consequently, you can go about your business safe in the knowledge that your livelihood is protected from any accidents.

Why do you need contractors business insurance?

As well as planning projects, inspecting buildings and managing your team, contractors also have to deal with the unfortunate reality of an accident striking you or your employees on the job. However, securing a bespoke contractors liability insurance policy can make things a lot easier (and safer).

This lets you work without worrying that one accident could leave you in the mire financially, giving you the confidence to do your job to the highest standard. What’s more, prospective customers are also more likely to work with someone who’s insured as it shows that they take their work seriously and can be trusted.

Here at Tradesman Saver, we offer low-cost contractors insurance to ensure that everyone can get the cover they need. To build a tailored contractors insurance policy that’s perfect for your requirements, fill out our online form today.

Get a Quote  Learn about Public Liability


What’s included with our Automatic Cover

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How our contractors 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

Understanding public liability insurance for contractors

When buying contractors insurance, there are various terms you’ll come across. But perhaps the most common is ‘public liability cover’, and for good reason. This is the backbone of any insurance policy and covers injury to third parties or damage to their property, therefore protecting you when being sued by your customers or members of the public. Among the situations it covers are:

  • Damage to a client’s car after catching it with a plank of wood you’re carrying.
  • Injury to a member of the public after they trip over your toolbox.
  • Damage to a client’s neighbour’s fence when building an extension


Why do you need public liability insurance for contractors?

Working as a contractor is no walk in the park. After spending all of your hours building other people’s dreams, it’s easy for your own to fall by the wayside, such as having a safe and secure livelihood. But this is certainly not something you should neglect, and public liability insurance will help you achieve this dream, allowing you to safeguard your financial future.

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How much does contractor’s insurance cost?

The cost of your contractors insurance depends on the type of contracting you are carrying out.  Prices vary by trade and there are many types contractor we can cover.  For example we offer insurance for plumbing contractors, building contractors, fencing contractors, roofing contractors, paving contractors, cleaning contractors, flooring contractors and drainage contractors to name just a few!  The risk your trade poses to the public and the likelihood of a claim occurring will affect the price you pay.  Other elements like the limits of cover you select, number of staff, how long you have been trading and whether you have had any claims can all influence the price you pay.

With Tradesman Saver all policies for contractors include lots of additional covers as standard.  In addition to public liability insurance, you will also get cover for legal expenses, financial loss and accidental death cover. Most other insurers charge extra for these covers but with Tradesman Saver we include these for FREE.

Prices start from £58.76 Get A Quote

Contractor’s Insurance quote examples

£58.76 / year A cleaning contractor working on domestic properties
  • Sole Trader
  • No employees
  • 5 years experience
  • Based in London
  • No claims

Automatic Covers

  • Public Liability £2,000,000
  • Financial Loss £10,000
  • Products Liability £2,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident Not Insured
  • Employers Liability Not Insured
  • Tools / Equipment Not Insured
  • Contract Works Not Insured
  • Professional Indemnity Not Insured
£47.85 / month £543.72 / year A building contracting company working on domestic properties
  • Limited Company
  • 3 Employees
  • 5 years experience
  • Based in Surrey
  • No claims

Automatic Covers

  • Public Liability £5,000,000
  • Financial Loss £10,000
  • Products Liability £5,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents £10,000
  • Personal Accident Not Insured
  • Employers Liability £10,000,000
  • Tools / Equipment £5,000
  • Contract Works £50,000
  • Professional Indemnity £50,000

The above quote examples were taken from our online system on 16/11/21.  These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

Insurance coverExcess
Public Liability£250
Products Liability£250
Employers LiabilityNo Excess
Financial Loss10% of claim value(£2,500 minimum)
Professional Indemnity10% of claim value(£2,500 minimum)
Contract Works£250(£500 Theft/Malicious Damage)
Tools / Equipment£100(£250 Unattended vehicle)
Legal ExpensesNo Excess

Chosen by over 5000 businesses and counting *

Online & Anywhere

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

Monthly Instalments

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

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.

* Total number of live policies as at 31/03/2022
£50 from
me to you.

When a friend you refer takes out a new policy, we’ll give £25 to them, and £25 to you.

Refer a friend

Contractors Insurance: Frequently Asked Questions

Do I need legally need contractors insurance?

The only reason you’d legally need contractors insurance is if you employ members of staff, in which case employer’s liability insurance is required by law. However, not only will contractors insurance protect your finances, but will make prospective customers more likely to work with you.

Is contractors insurance the same as contractors all risk insurance?

Contractors insurance refers to all the types of cover a contractor could need, such as public liability, employer’s liability, and legal expenses. Contractors all risks insurance is one specific policy that is available to all tradesmen within the construction sector, such as builders, plumbers, and carpenters.

This particular optional cover includes contract works insurance, up to £500,000 expenses for loss or damage to building works you’re responsible for. We also protect you against theft or damage to any equipment associated with the contract, as well as damage to temporary buildings or hired-in property.

How much contractor’s insurance do I need?

The amount of contractors insurance you require depends on things like how dangerous your jobs are, how large your contracts are, and how expensive your equipment is. We can help you work out how much is necessary if you’re unsure.

How do I make a claim on my contractors insurance policy?

In order to make a claim on your contractors insurance policy, you need to get in touch with us ASAP. While completing the form, you should ensure you’re within the time limits for making a claim and that your policy covers the type of claim involved. It’s also a good idea to find out what this excess is so you’re aware of what the insurer will deduct from the claim.

What information do I need to provide?

When getting a contractors insurance quote, you’ll have to give basic details like your name, address and the type of work you regularly undertake. Your provider will also need to know the size of your business, which involves giving information regarding your annual turnover and how many employees you have. They could also request details about previous insurance claims.

*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 but excludes our admin charge. 19% of new customers paid less than £59 between 1st January 2021 and 28th February 2021. 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 2022 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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