Our builders’ insurance policy is tailored specifically to meet the needs of builders. Here are some of the key covers we offer:

Public liability insurance

Public liability insurance is a core part of an insurance policy for tradespeople. It’s there to cover you for accidental injury or property damage while you’re on the job – for example, if you were to damage a client’s home whilst undertaking building work, or someone were to trip on an unsecured cable.

If you work with the public or clients, this insurance will help cover your legal fees and compensation costs if someone files a claim against you. There’s always a risk of causing injury or property damage, and facing costly legal action as a result, so having public liability insurance can protect your livelihood if the worst happens.

Tools insurance

At TradesmanInsure, we know how crucial your tools are for your building work. Our policy covers the cost of replacing or fixing tools that are lost, damaged, or stolen due to a fire, flood, or theft from your van. You can choose between regular 8am-6pm cover or 24/7 cover to fit your needs. Whether it’s your hand tools like hammers and screwdrivers or power tools like nail guns, our tools insurance has got your back, ensuring your projects stay on track.

Professional indemnity insurance

Professional indemnity insurance is there to cover you if your advice, designs, or expertise end up causing a customer to lose money. The costs of putting design errors right can be eye wateringly high, so whether it’s a client alleging that you made a mistake, or that your advice led to further damage, professional indemnity cover ensures you’re protected.

Employers’ liability insurance

If you have employees, employers’ liability is essential. This cover provides benefits to your employees if they are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your team is taken care of. In the UK this insurance is legal required , so it’s worth looking into this insurance or you could find yourself in hot water.

Unless you are exempt from paying employers’ liability insurance, the Health and Safety Executive (HSE) can fine up to £2,500 a day for businesses who don’t have the necessary cover in place. You can also get fined if you fail to display your employers’ liability insurance certificate.

Legal expenses insurance

If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court costs and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example, if a customer refuses to pay you after assembling their furniture , legal expense insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.

Occupational personal accident insurance

Occupational personal accident insurance is a safety net for builders, ensuring financial protection when you face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you’re financially supported during your recovery period, so you can focus on getting back on your feet without fretting over lost income.