Public liability
Third-party injury on development
Injury to visitors, neighbours or the public on or near your site.
Trade cover
Property Developer Insurance
Property Developer cover, quoted in minutes. Your quote depends on trade, turnover and cover levels.
Get a quoteTakes about 5 minutes · No card details to get a quotation · Documents by email
The work
Developments, sites and unfinished works
Every job is different as a property developer, and it's because of this that the right insurance can be hard to come by. With more than 30 years of experience, we know how to find a policy that suits you best.
Once you've completed our simple online form, our team of experts will get straight to work on your tailor-made quote. So for any job - large or small - and whether it's simply public liability insurance you require or a full package including professional indemnity insurance and more, we've got you covered.
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Contract works
Damage before completion
Storm, theft or vandalism to partially completed developments you are responsible for.
Professional indemnity
Development advice error
Financial loss from planning, design or project advice you provide.
On the quote form
Cover you can select
These are the cover options you can build on the form. Your quotation and schedule confirm what applies.
Public liability
The core cover for injury and property damage. Limits from £1m to £10m on our form.
Employers' liability
Legally required if you employ staff, including part-time or temporary workers.
Contract works
Cover for work in progress where the contract makes you responsible for unfinished builds.
Professional indemnity
For advice, design or consultancy work. Limits from £50,000 to £5m.
Prices start from
£459.99 / year
including IPT
or from £42.67 per month
What property developer cover costs
£459.99 is the lowest price available on our quote form for public liability for property developer. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £42.67 a month. The total you pay by instalments is higher than paying in full.
It is not a typical package and most policies cost more.
Illustrative monthly Direct Debit instalments, subject to eligibility. A deposit applies by card; paying in full costs less.
Quote online in minutes
Select your trade and cover on the form.
1
Select your trade
Choose your trade and tell us how your business is set up.
2
Pick your cover
Add public liability, employers' liability, tools and other options.
3
See your price
Your quotation updates as you select limits and extras.
4
Get your documents
When you buy online, documents are emailed straight away.
Claims we have handled
Settled examples from tradespeople. Each outcome depended on the cover in force at the time.
Public liability
An electrician replaced a consumer unit and a short circuit damaged the client's appliances.
Public liability covered the property damage claim.
Scaffolding
A scaffold collapsed onto neighbouring property during erection work.
Public liability responded to the third-party property damage.
Painting and decorating
A decorator knocked over a tin of gloss paint, staining carpets and furnishings.
Public liability covered the damage to the client's property.
Employers' liability
An employee fractured their ankle after falling from a ladder on a customer's site.
Employers' liability covered the employee's injury claim.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
Google reviews
5.0 out of 5 from 368 Google reviews
I dealt with Nick today, great experience, very helpful and informative as well as getting me the best price possible. i would highly reccomend using Nick for your insurance needs
matthew borrowdale
a month ago · Google
Very happy to continue with Tradesman Insurance. The contact was very helpful and straightforward in explaining my questions. I found the premium very reasonable in comparison and will continue with them.
Mark Haynes
3 months ago · Google
Nick was great to deal with on the phone. Explained everything, got me the right policy, and was hassle free. Top man
Jamie Davin
3 months ago · Google
Property Developer Insurance FAQs
Most property developers need public liability. Add employers' liability if you have staff, optional tool cover for equipment, and professional indemnity if you give advice or design work.
It is not a legal requirement for every business, but many clients, sites and contracts expect it. Employers' liability is legally required when you employ staff.
If your work includes advice, plans, specifications or design, professional indemnity protects you if a client suffers financial loss because of an error in your work.
Public liability for property developer starts from £459.99 a year, including Insurance Premium Tax, on our site. £459.99 is the lowest price available on our quote form for this trade. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £42.67 a month, subject to eligibility. Paying in full costs less.
It is not a typical package and most policies cost more.
See your property developer price
Select your trade and limits on the quote form. No obligation.
Get a quoteRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. Tradesman Insurance 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Property Developer Insurance
from £459.99 a year or £42.67/month incl. IPT; your price depends on what you select