Contractor’s public liability insurance
Learn more about our comprehensive public liability insurance policy for contractors
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Public liability insurance for contractors
Includes four more Tradesman Saver covers as standard
Our Tradesman Saver contractors public liability insurance 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)
- £250,000 legal expenses cover + 24-hour legal helpline
Life as a contractor is fast-paced, with new jobs for different clients popping up all the time. And while this comes with great flexibility and significant earning potential, you don’t want anything stopping you from quickly moving onto new customers or taking on multiple projects at once. But unfortunately, accidents happen, and these can hold things up and leave you out of pocket in the process. Luckily, contractors insurance with public liability will help soften the blow of such incidents by paying out if a costly claim is made against you.
Low-cost public liability insurance for contractors
Public liability insurance is the main cover you’ll need as a contractor, and protects you should you injure somebody or damage their property on the job. This ensures your provider will pay any resulting compensation costs, allowing you to focus on doing what you do best with no financial difficulties. You can buy this as part of our automatic package, which starts at just £59 and also protects you in relation to financial loss, legal expenses, and more.
Understanding public liability insurance for contractors
Securing insurance as a contractor can be a draining experience, with so much jargon out there. Public liability insurance is a term you’re sure to come across when looking to secure cover, and as the backbone of any contractors insurance policy, it’s important that you know exactly what it means. As touched upon, public liability cover protects you if you injure a third party or damage their property on the job. This doesn’t have to be a customer though — it could be any member of the public. And considering how common accidents are in your line of work, public liability insurance is a godsend. So, what kind of situations would it protect you in?
These are just a few examples:
- You accidentally damaged a client’s vehicle while on a job
- A customer has tripped over the cable of your power tool as you’re working
- You fitted pipes that leaked and the property sustained water damage
- Another contractor on site fell over your toolbox and was injured
Cheap professional indemnity insurance for contractors
Claims arising from injuries or property damage aren’t the only things you’ll want to be insured for. Another hugely important cover for contractors is professional indemnity insurance, which protects you if you’re sued for making a mistake, such as offering a customer bad advice or delivering poor professional services. Again, such cases can be expensive to settle, making professional indemnity insurance a valuable additional cover. Other useful optional covers are personal accident insurance, which pays out if you’re unable to work due to injury, and tool insurance, which covers your all-important equipment.
Here at Tradesman Saver, we are here to advise you on the coverage you need as a contractor. Get a quote today to receive a tailor-made insurance package that’s perfectly suited to you.
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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.
Contractors Insurance: Frequently Asked Questions
Do contractors need insurance?
Contractors insurance is crucial for protecting you against unexpected accidents. Working directly with the public could cause huge financial repercussions if you make a serious mistake, even if you didn’t mean to. However, by taking out policies such as public liability and professional indemnity, you can rest assured that we’ll cover all of the costs in the worst case scenarios.
How much contractors insurance cover do I need?
The amount of cover you need will depend on aspects like the size of your contracts, how many clients you have and the likelihood of accidents on the job. Although our standard insurance package will protect you in lots of situations, you may feel that you need additional cover. For instance, tools insurance could be essential if you would struggle to replace broken, stolen or lost tools.
How much does contractors insurance cost?
The nature of your work, your claims history and how much cover you require will all impact the final cost of your contractors insurance policy. We will ask you to disclose all relevant information when you apply for a free Tradesman Saver quote.