builders public liability insurance

Builders Public Liability Insurance

Public liability insurance for a builder, starting at less than £58*per year

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There are many insurance options which would benefit your builders 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 builders 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 builder and you can get your quote online in minutes.

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What’s included with our Automatic Cover

How our builders public liability insurance works

Working as a builder is tough. When you spend all day building other people’s dreams, it can make you forget about your own – like making your business safe and secure. But this is definitely not a dream worth putting on the back burner, and it’s imperative to consider a comprehensive builders public liability insurance policy, to help you protect your business’ future from any potential accidents.

Why do you need builders public liability insurance?

Here at Tradesman Saver, we understand getting the right public liability insurance in place for your business is one of the most important steps to take to keep your business protected from claims. It’s because of this that we’ve spent the past decade working with businesses like yours to help us make a public liability policy built for builders, by builders. That’s insurance, made simple.

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.

Understanding Public Liability Insurance For Builders

When you’re looking to purchase your builder’s insurance, you’ll hear a lot of different insurance terms thrown around. But the most singularly important of these is liability insurance cover. Public liability insurance is like the foundation of any insurance policy – it covers injury to third parties and damage to their property. This means it protects you from claims made against you by your clients, as well as by members of the public who may have been hurt by your business’ activities. It plays a vital role in any builder’s insurance policy and offers protection from a number of accidents.

It covers situations like:

  • Accidental damage to your client’s vehicle through splashing render when you’re applying it to brickwork
  • A client tripping over a cable of one of your power tools while you’re working
  • Damage to a client’s neighbour’s fence whilst building an extension
  • Injury to member of the public caused by tripping over an uncovered trench

Other covers you might want to consider include employer’s liability insurance, which is a legal requirement if you employ staff, as well as tools and equipment cover, and contractor’s all risks insurance which covers ongoing work on a construction 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 £59 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 2020 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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