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Subcontractor Insurance

Public liability insurance for subcontractors for less than £54* per year

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Tradesman Saver’s Subcontractors Liability Insurance Cover

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)

Subcontractors liability insurance helps to protect your livelihood should unfortunate incidents such as injury or theft strike. The flexible subcontractors insurance package from Tradesman Saver gives you all the cover you’ll need as a subcontractor, including public liability insurance, products liability insurance and employer’s liability insurance. Consequently, you can go about your business as normal, safe in the knowledge that you’re protected in the event of any accidents.

Why do you need subcontractors liability insurance?

While being a subcontractor provides advantages like greater flexibility in the types of jobs you take on and being able to choose your own schedule, you still have to bear in mind the possibility of things going wrong.

With a comprehensive subcontractors liability insurance policy, you can help mitigate any issues that arise. This allows you to work without fretting that one mistake will ruin you financially, letting you get on with the job. Moreover, having a subcontractors liability insurance policy will make you more attractive to prospective clients, as it shows them that you take your job seriously and can be trusted.

Here at Tradesman Saver, we provide affordable subcontractors insurance to ensure no one is priced out of the cover they need. To create a bespoke policy today that’s just right for you, fill out our online form today.

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How our subcontractor 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 subcontractors

When purchasing subcontractors insurance, you’ll encounter lots of different terms. But arguably the most common is ‘public liability cover’. Forming the foundation of any insurance policy, it covers injury to third parties or damage to their property, therefore protecting you when being sued by customers or members of the public. Some of the scenarios it covers include:

  • Damage to a client’s car after accidentally dropping some bricks on it.
  • Injury to a member of the public after they fall over your toolbox.
  • Damage to a customer’s laptop after accidentally spilling coffee on it.

Why do you need subcontractors insurance?

Working as a subcontractor isn’t always easy. And after spending your working week helping to build other people’s dreams, it’s easy to lose sight of your own, including having secure finances. However, this is certainly something you shouldn’t let slide, and public liability insurance will help you realise this dream.

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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

Subcontractor Insurance: Frequently Asked Questions

Can I rely on my client’s insurance policy instead of getting my own?

If you’re a bona fide subcontractor you will need your own policy and can’t rely on your client’s, as you won’t be considered an employee by law. This likely applies to you if you set your working hours and use your own equipment. That said, you may be covered if you’re a labour-only subcontractor working for a company using its tools, though you shouldn’t assume this and should check the master policy to make sure that this is the case.

Do I legally need subcontractors insurance?

Generally speaking, you don’t legally require subcontractors insurance unless you hire staff. In this instance, you’ll need employer’s liability insurance by law. However, subcontractors insurance will not only help you financially, but give you a greater chance of attracting clients.

How much subcontractors insurance do I need?

The amount of subcontractors insurance you require is impacted by factors like how risky your jobs are, how expensive your contracts are, and the cost of your equipment. We can assist you in working this out if you’re unsure.

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

To make a claim on your subcontractors insurance policy, just get in touch with us. Before you do though, make sure that you’re within the time limits for making a claim and that your policy covers what you’re claiming for. You should also check what the excess is so you know how much you’re contributing towards the claim. Once you’ve told us, we’ll take it from there and liaise with your insurer and keep you updated through to settlement.

What information do I need to give?

The main details you’ll need to provide when securing a subcontractors insurance quote include your name, address and the type of work you usually do.

Similar Trades We Cover

*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. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. 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 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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