Contractors liability insurance, starting at less than £55 per year
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Compare QuotesOur standard cover is:
Whether you’re a fencing or building contractor, or a cleaning or scaffolding contractor, contractors liability insurance helps professionals like you keep your head above water financially should unexpected incidents like injury or theft strike.
The contractors insurance packages from Tradesman Saver feature the main covers you need, including 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.
As well as planning projects, inspecting buildings and managing your team, you also have to deal with the unfortunate reality of an accident striking you or your employees on the job. However, taking out 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 policy that’s perfect for your requirements, fill out our online form today.
Complete our simple quote form with basic details about your business.
Compare quotes from our panel of insurers & chose any optional covers you may need.
Choose the quote that’s right for you, activate your policy and view your certificates online.
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:
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.
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 as standard.
Compare Quotes
£54.88 / year A cleaning contractor working on domestic properties
£50.55 / month £564.48 / year A building contracting company working on domestic properties less than 10 metres in height
The above quote examples were taken from our online system on 06/11/25 and include insurance premium tax but exclude our £10 admin charge. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.
Most insurance policies will be subject to an excess, which is the amount you agree to pay towards a claim. The table shows the standard excesses under a Tradesman Saver contractors insurance policy but you should check your own quotation to see exactly what applies to your policy as excess may vary depending on the type of work you do.
| Insurance cover | Excess |
|---|---|
| Public Liability | £250 |
| Products Liability | £250 |
| Employers Liability | No Excess |
| Financial Loss | 10% of claim value(£2,500 minimum) |
| Professional Indemnity | £250 |
| Contract Works | £250(£500 Theft/Malicious Damage) |
| Tools / Equipment | £100(£250 Unattended vehicle) |
| Legal Expenses | No Excess |
* Total number of live policies as of 31/10/2025
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 independent contractor insurance protect your finances, but it will make prospective customers more likely to work with you. This kind of business insurance cover is extremely beneficial and could save you a lot of money in the long run.
When you choose Tradesman Saver’s contractor insurance, you’ll receive a bespoke package of insurance to suit your needs. Our essential tradesman insurance policies are designed to protect you, your customers, and the general public from accidental damage, harm or injury caused as a result of your work.
Accidents happen, particularly on busy worksites where incorrect advice or a momentary lack of attention can lead to property damage, injury, or death. That’s why it’s vital that you have the right cover in place to protect both yourself and your customers from any potential claims.
At Tradesman Saver, we can provide a complete range of insurance packages tailored to meet your specific needs. No matter what kind of independent contractor you are, our contractor insurance cover protects you from legal costs arising from negligence claims made against you by your client, or the general public. Our wide range of contractor insurance policies includes:
If you’re already covered by contractor insurance, you should already be covered by professional indemnity insurance. If you make a mistake on the job, professional indemnity insurance covers you against any legal claims your customers might make against you.
However, it’s worth double checking that your contractor insurance policy covers you for professional indemnity, as some do not. It’s important to understand exactly what you’re covered for when you’re deciding on a form of business insurance and the implications of each type of cover.
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 and 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.
The amount of contractor 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. Sometimes, your client may specify a minimum level of cover they expect you to have.
In order to make a claim on your contractors insurance policy, you need to get in touch with us ASAP. Before you do though, you should check 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. Once you’ve told us, we’ll take it from there and liaise with your insurance provider. We’ll keep you updated throughout the claims process.
When getting a contractors insurance quote, you’ll have to give us 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.
Here at Tradesman Saver, we offer the following covers for tradespeople:
There are also many other types of contractors we insure. Whether you’re looking for personal accident insurance, employer’s liability insurance or any other kind of business insurance to protect you from legal and compensation costs, don’t hesitate to get in touch with our experienced team today.
Please just contact us if your trade is not on the list. We’re more than likely able to provide a contractor insurance package to suit your needs, whether you’re self-employed or you operate a contracting business.
From only£55per year 
From only£55per year 
