We all aim to avoid mistakes in our work, but sometimes they happen and some can be worse than others. As a tradesman there can be lots of elements you are liable for, so consider protecting your business in case the worst happens.

As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by current or former employees.

Working in the construction industry means you are likely to do contractual work and, as a contractor, you will be responsible for the works prior to handing them over to the customer. If you have builders on site, contractors all risk insurance could provide cover for the contract works and loss of or damage to your plant machinery and tools. Things can and do go wrong, so if appropriate to your business needs make sure you benefit from plant and material insurance cover. To get a quote, click here (link to CAR Page)

Employer's liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by current or former employees.

Based on a carpenter quoted on a tradesman liability product with a 1 million limit of indemnity, a sole trader with no other employees, no previous claims, working at 5 metres max height and not using heat or fixed machinery. Annual price based on the previous criteria, monthly price is equivalent to annual price divided by 12 to give equivalent monthly price, please note this monthly price is purely for promotional purposes to display the annual cost divided by 12 months, this monthly price may not be payable monthly by direct debit if it does not meet our direct debit threshold, paying by direct debit will incur additional charges. Quoted between January 1st 2023 to July 11th 2023, including insurance premium tax but excluding any additional products, fees or upgrades, with payment taken on an annual basis. For comparison only, your premium will depend on your circumstances and the level of cover you choose. Premium may vary by post code and other risk factors. Occasionally the premium quoted may be lower than the from price due to the unique profile where it is not reflective of the type of risks used to determine the from price.

How it works:

We are always looking to provide the best price, so if you find a cheaper like-for-like policy elsewhere, let us know by sending us an email and we will ring you back and beat the price by an additional 5%, you can’t say fairer than that!

What do you mean by like-for-like?

If you find a cheaper insurance policy elsewhere it must exactly match the cover, terms and policy details that we have quoted you on constructaquote.com, and it must be one of the following trades:

• Builder
• Plumbing and Heating Engineer
• Carpenter
• Painter & Decorator
• Electrical Contractor
• Groundworker
• Builder (Private Dwellings, Offices & Shops) - Alteration & Repair
• Cleaner
• Plumber
• Roofer
• Electrician
• Bricklayer
• Landscape Gardener
• Property Maintenance and Repair
• Plasterer

How do I claim?

Simply email sales@constructaquote.com. Please attach a screenshot, or the policy details of the policy you would like us to price beat, along with the price we quoted you. We will then get back to you within one business day. If you provide us with your phone number we can also call you directly.

The free £500 tools cover is available to customers who have either purchased new or renewed existing Tradesman Liability, Turnover or Commercial Vehicle insurance policies on or after 01/05/2023.

• You must have a registered vehicle to activate your cover
• You must provide us with the required vehicle information
• Subject to no previous claims, losses or incidents that may have given rise to a loss in regards to your tools
• Only one policy per customer
• Customers who already hold tools cover with a sum insured in excess of £500 would not be eligible
• The free tools cover cannot be exchanged or transferred and has no monetary value if not taken up
• You cannot use this offer in conjunction with any other offer
• We reserve the right to end this offer at any time and without any notice.

How do I obtain the free Own Goods cover?

Simply call 08081 686868 or email sales@constructaquote.com stating "Claim Free Tools". Please provide your Tradesman Liability, Turnover or Commercial Vehicle insurance policy number, your vehicle make and model and registration number. We will then activate your free tools policy and send your policy schedule to you.