Driveway installers insurance
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Rated 4.7/5
Based on 39,778 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need driveway installers insurance?
Laying driveways, patios, and paving comes with a range of risks for contractors. Driveway installers insurance can give you peace of mind if something goes wrong at work. It can cover the cost of a claim if there's an injury, you have your tools stolen, or you accidentally damage a customer’s property.
- driveway installers insurance, from quote to claim
- compare cover from expert UK brands and protect your business
- optional personal accident cover for your own injuries, or anyone on the policy
What does driveway installers insurance cover?
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Stock insurance
In case something happens to your products and consumables.
Tool insurance
In case your tools are lost, stolen or damaged.
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
Contract works insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
Business interruption insurance
In case something is stolen or damaged and you lose income.
Business legal insurance
In case you’re hit with legal expenses connected to your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or away from work.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your business activities
- illness or injuries as a result of your business
- employees causing accidental damage or injuries
For example:
- while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
- you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
- your employee drops heavy equipment on your client’s floor, causing extensive damage
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- injuries to staff (including casual labourers and contractors) that are caused as a result of your business
- illness suffered by an employee (including temps and casual workers) caused by working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your office manager breaks their finger while trying to close a faulty window at your business premises
- your receptionist trips over a cable running across the floor of your office, breaking their ankle
- a temp worker scratches their arm on one of your tools, and the injury becomes infected
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business equipment insurance?
Claims against your business for:
- cover for your contents, such as furniture, caused by fire, flood, theft, or vandalism
- damage to equipment used to run your business
For example:
- a faulty toaster causes a fire in your office kitchen, badly damaging the oven and microwave
- a three-piece sofa suite is ripped by vandals and needs replacing
- thieves break into your office and steal three tablets used by your sales team
Read more about business equipment insurance
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- loss of stock, and theft or malicious damage to your stock
- damage or destruction to stock caused by fire or flood
- the essentials you keep as stock – the items you need to sell to operate
For example :
- flooding in your storage unit destroys your stock
- you make a big Christmas packaging order that’s stolen while you’re speaking with a supplier
- someone drives into your shop, smashing the windows and destroying a week’s worth of stock
Read more about stock insurance
Tool insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tool insurance?
Claims against your business for:
- accidental damage to your tools and equipment
- theft of the tools you use for your business
- loss of your business tools
For example:
- your tools are stolen from your car or van
- you lose some expensive equipment on the way to a job
- a flood causes irreparable damage to your tools
Read more about tool insurance
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
Claims against your business for:
- damaging someone else’s property while working on a development site, or afterwards as a result of your work
- damage or destruction caused by vandalism
- damage or loss to your plant machinery, like a digger
For example :
- your forklift damages a van parked nearby, while you’re manoeuvring on site
- you’re building an extension for a customer and someone breaks into your works site, vandalising the premises and causing substantial damage
- you’re parked up outside a service station and thieves steal a generator from your trailer
Read more about plant machinery insurance
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
What’s typically covered by hired-in plant insurance?
Claims against your business for:
- expensive costs and charges, if hired equipment gets damaged, lost, or stolen
- equipment that’s on-site or in transit
- causing injury or property damage while you’re working, or afterwards following your work
For example :
- thieves steal a generator from your trailer while you’re taking a break at a service station
- you accidentally drive a digger through someone’s fence while working on site
- a hired cement mixer and generator are made unusable following a flood
Read more about plant machinery insurance
Contract works insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
What’s typically covered by contract works insurance?
Claims against your business for:
- work in progress on domestic and commercial sites
- on-site damage to your tools that you need to complete the job
For example :
- a storm causes damage to your place of work, setting back the project
- a fire destroys your tools that you left at work
- your work is damaged after a break-in, meaning you'll have to start from scratch
Read more about contract works insurance
Business interruption insurance
In case something is stolen or damaged and you lose income.
What’s typically covered by business interruption insurance?
- you can’t trade because of stock, contents, or building damage
For example:
- your inventory is damaged and you lose income because you’re unable to sell
- your work laptop is stolen or damaged and you can’t run your business
Read more about business interruption insurance
Business legal insurance
In case you’re hit with legal expenses connected to your business.
What’s typically covered by business legal insurance?
Claims against your business for:
- costs and expenses for contractual disputes arising from an agreement
- cases relating to civil action taken against you for compensation under data protection legislation
- employment disputes and compensation, for both employees and volunteers
For example:
- a client says that your work wasn’t delivered on time and that you didn’t meet your contractual obligations, and they’re refusing to pay
- your employee leaves their laptop unattended in a coffee shop, and a third party is able to lift a customer’s data
- you need to dismiss an employee following client complaints, and they threaten to file an unfair dismissal lawsuit
Read more about business legal insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or away from work.
What’s typically covered by personal accident insurance?
- compensation if you or an employee are injured in an accident, including weekly payments if you or they are unable to work for two weeks or more
- virtual Medical Care service with unlimited 24/7 access to medical advice, consultations, referrals and prescriptions
- 24/7 access to myStrength emotional health support app
You can buy this cover for:
- yourself
- your employees
For example:
- imagine one of your employees breaks their leg in an accident and is out of work for six weeks. Personal accident insurance would provide £300 for the broken leg diagnosis. After the employee's second week off, you'd receive four weekly payments to assist with costs during their absence. You could use the money as you wish – whether for loss of earnings, hiring a temporary replacement, or compensating the injured employee.
What's not covered?
- issues caused by sickness, illness, or disease
- conditions that develop over time without a direct connection to an accident
- mental illness, even if triggered by an accident
- self-inflicted injuries
- accidents that occur under the influence of drugs or misuse of medication
- deliberate exposure to danger, except when attempting to save a life
- injuries caused by taking part in a professional or semi-professional sport
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does insurance cost for driveway installers?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.49 per month
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*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
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How do insurance claims work for driveway installation businesses?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Rated 4.7/5
Based on 39,778 reviews
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Driveway installers insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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