Tradesman Saver Liability Cover For Constructors.

As of my last knowledge update in January 2022, Tradesman Saver is an insurance provider in the United Kingdom that offers insurance solutions for tradesmen and contractors. One of the key products they provide is Liability Insurance, which is crucial for constructors and other tradesmen to protect themselves and their businesses against potential risks and liabilities.

Here's a general description of Tradesman Saver Liability Cover for Constructors:

Liability Insurance: Liability insurance is designed to protect businesses and individuals from the financial consequences of third-party claims. In the context of constructors, liability insurance becomes particularly important as construction sites inherently involve various risks. Tradesman Saver's Liability Cover typically includes the following components:

1. Public Liability Insurance:

   • This coverage protects against claims from third parties (e.g., clients, visitors, or the public) for injury or property damage caused by the construction activities. It may cover legal expenses and compensation costs.

2. Employers' Liability Insurance:

   • If the constructor employs staff, Employers' Liability Insurance is usually a legal requirement. It covers claims from employees who suffer injury or illness due to work-related activities.

3. Products Liability Insurance:

   • If the constructor supplies or installs products as part of their work, this coverage protects against claims arising from defects or faults in those products.

4. Contractors All Risk (CAR) Insurance:

   • While not strictly liability insurance, CAR insurance may also be part of a comprehensive coverage package. It protects against damage to the construction site, materials, and equipment.

Key Features of Tradesman Saver Liability Cover:

• Tailored Policies: Tradesman Saver typically offers policies tailored to the specific needs of constructors, taking into account the unique risks associated with construction work.
• Legal Support: The insurance provider may offer legal support and assistance in case a claim leads to legal proceedings.
• Flexibility: Policies may be customizable to include additional coverage based on the specific requirements of the constructor.