Subcontractors Public Liability Insurance
Public liability insurance for a subcontractor, at a price you can afford
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Tradesman Saver’s Public Liability Cover For Subcontractors
Our 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)
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.
How our subcontractors public liability insurance works
Complete our simple quote form with basic details about your business
Get a Quote
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
What is subcontractors insurance?
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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We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
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.
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.