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Subcontractors Public Liability Insurance

Public liability insurance for a subcontractor, at a price you can afford including:

  • Public Liability
  • Financial Loss
  • Products Liability
  • Legal Expenses
  • Accidental Death
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Taking on work as a subcontractor is a career move that has to be made wisely. When you have to spend the majority of your day on construction sites, only to return home at the end of the day to find there’s still mountains of paperwork, invoices and taxes to wade through, you have to learn how to carefully balance your work and home life. And, at the end of the day, when you finally get to put your feet up and have a cuppa, the very last thing on your agenda is worrying about paying compensation claims or accidents. You need something to give you back your peace of mind.

Why do you need subcontractors insurance?

Here at Tradesman Saver, we can help do just that. Our subcontractor’s public liability insurance policy is kitted out with all the things you need to keep your business safe from accidents, including protection from employee claims and legal expenses cover. It can even be extended to include protection for all ongoing work on a construction site and even cover for your tools and equipment. So, what are you waiting for? Just fill out our online quote form and ensure you get the insurance you need, when you need it most. Because we believe in insurance, made simpler.

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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.

There are many insurance options which would benefit your subcontractors business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a subcontractors business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as a subcontractor and you can get your quote online in minutes.

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What’s included with our Automatic Cover

Understanding Public Liability Insurance For Subcontractors

Getting insurance as a subcontractor can feel a bit like wading through treacle – with so many insurance terms being thrown about the place, it can be hard to know exactly what you need in order to keep your business protected should the worst happen. However, the only thing you really need as a subcontractor is public liability insurance (liability insurance covers). Public liability insurance is the basis of any subcontractor’s insurance policy. In a nutshell, it covers your business from injury to third parties or damage to their property, and protects you from claims made against you by your clients or members of the public who have been hurt or inconvenienced by your business’ activities. It’s a vital cover when you’re buying subcontractor’s insurance and helps to safeguard you against a large number of accidents that you may come to face-to-face with in your everyday role.

It covers your business from situations like:

  • Accidental damage to a client’s vehicle whilst on a job
  • A client tripping over your toolbox while you’re working
  • Water damage to a property by accidentally nailing through a pipe
  • Injury caused to another subcontractor on site from them tripping over the cable of your power tool

There’s also a host of other covers available that could prove useful in your work as a subcontractor. Employer’s liability insurance, for instance, is a legal requirement if you employ staff, so you’ll definitely need this if you’re employing anyone. As well as that, some other useful covers worth considering are personal accident and sickness insurance, which can help you pay the bills if you’re injured and unable to work, tools and equipment cover, and even contractor’s all risks insurance, which will cover all your ongoing work on site.

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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/.
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