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Liability Insurance

Liability insurance with coverage starting at £59*per year

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What is liability insurance?

In this age of compensation claims and litigation, small businesses can find it hard to stay afloat. Even a simple accident like nailing through a water pipe in a client’s property, could lead to hefty compensation claims that, without the proper insurance in place, could end up costing you thousands of pounds. A comprehensive liability insurance policy will protect you from this.

Why do you need liability insurance?

Liability insurance is a term referring to any type of insurance policy that protects a person or business against a risk for which they may be held legally liable and sued. This includes injury, damage to property, negligence or malpractice. Liability insurance is designed to protect your business against this kind of a claim, meaning if an insured accident does happen, your insurer pays out the costs of the compensation, rather than you footing the bill yourself. It’s a basic necessity that all businesses would benefit from.

At Tradesman Saver, we offer a range of liability insurance policies available for a mixture of different purposes.

How our liability 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

Tradesman Saver’s Liability Cover

Our standard cover is:

  • £1 million public and products liability cover (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)

There are many insurance options which would benefit your 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 may not 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 include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have a great range of cover options and you can get your quote online in minutes.

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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

Public Liability Insurance

The most typical type of liability insurance that all businesses could benefit from, public liability insurance covers businesses against claims made by customers or members of the public. It protects against claims involving both injury and property damage as a result of your business activities, as well as any related costs or legal fees.

Some key examples of where this insurance would be necessary are:

  • A customer slipping and falling on a wet floor and injuring themselves
  • A builder puncturing a water pipe in a building they are working on, causing flooding which results in substantial damage to the property
  • Spilling hot coffee over a client while having a consultation
  • A caterer causing guests to contract food poisoning at a wedding reception where they are catering
  • A painter accidentally knocking paint over a customer’s expensive carpet
tradesman in work boots about to step on sharp nail

Products Liability Insurance

products liability insurance cover | Tradesman Saver

While not as typical as public liability insurance, products liability insurance is useful to anyone that sells, supplies or installs products as part of their business. It protects against claims made due to the injury of a customer, member of the public or damage to property. It is important to remember with this type of insurance that even if you didn’t manufacture the product, the person affected may still hold you legally responsible for any faults and defects, and cause them to make a claim against you initially.

Some key examples of where this insurance would be necessary are:

  • An electrician fits a new plug in a home, but the plug is faulty and electrocutes the customer when they plug something in, causing them great injury
  • A plumber installs a faulty valve that causes a leak and floods the property, resulting in substantial water damage
  • A roofer is re-roofing a property, but the concrete roof tiles haven’t been cured correctly and they crack. As a result, they slide off the roof and cause injury to a passer-by

Employer’s Liability Insurance

One of the most important liability insurance covers, employer’s liability insurance is a legal requirement for any business that employs staff. It’s designed to protect your business against an employee suffering an injury or illness as a result of working for you and claiming compensation, and it covers a vast amount of accidents in the workplace.

Some examples of where this insurance would cover you are:

  • An employee is using a ladder on a job, when the ladder breaks and they fall, sustaining significant injury
  • An employee causes a power failure in a building you’re working on, causing another employee to fall down a flight of stairs, leaving them with substantial injuries
employee with cut knee injured at work

Professional Indemnity Insurance

professional indemnity insurance | Tradesman Saver

Providing cover against claims of professional negligence, professional indemnity insurance, or professional liability insurance, protects businesses from defending themselves against claims such as these and the damages that might be awarded to the claimant. It covers claims for financial loss due to bad advice, which can be particularly useful if your business provides consultations. This type of liability insurance is starkly different from other forms of liability insurance, because the cover is generally arranged on a ‘claims made’ basis, meaning that the policy will only cover claims made during the policy period.

Some key examples of where this insurance would cover you are:

  • An electrical contractor certifies an electrical system as up to standard. The client later discovers that it doesn’t comply with current standards and has to pay to have it re-done
  • A contractor won a tender to build a commercial building, and sub-contracted the design work to a firm of architects and structural engineers. Unfortunately, incorrect design led to the foundations being laid out incorrectly, which resulted in increased costs, a delay to the project and the work having to be re-done. The claim was made against the building contractor in the first instance
*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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