Outbuilding Insurance for Shed, Garage, and Carport Installers
- Underwritten by Zurich Insurance Company Ltd.
- Rated Excellent by tradespeople on Trustpilot
- 10% B&Q TradePoint discount
- Freeze your insurance price for two years (Classic & Plus policies - T&Cs apply)
- 40 years’ experience in trades insurance
- Friendly, UK-based customer support
Whether you’re building sheds, garages, or carports, your work comes with unique risks. Outbuilding insurance for installers is designed to help protect your business, tools, and clients from unexpected events.
What is Outbuilding Erection insurance?
Outbuilding erection insurance is designed for tradespeople who install structures like sheds, garages, and carports. It helps protect your business if something goes wrong on site - such as accidental damage to property or injury to a third party.
Key cover types include:
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Public Liability Insurance
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Tools Cover
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Professional Indemnity
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Optional Extras
Why outbuilding erectors need insurance
Working on customer properties involves handling heavy materials, using tools and machinery, and working near people and property. Even careful installers can encounter risks, such as:
- Damage to a customer’s property during installation
- Injury to a third party caused by tools or materials
- Theft of tools from a van
That’s where the right outbuilding insurance can help protect your business and cashflow.
What does our Outbuilding Erection insurance cover?
Our policies provide clear, trade-specific cover for shed, garage, and carport installers. Depending on your package, your insurance may include:
✔ Public Liability Insurance covers claims from third parties for property damage or injury caused by your work.
✔ Tools Insurance covers your tools and equipment against theft or damage. 24/7 cover against theft from locked vehicles following forced entry.
✔ Employers’ Liability Insurance can be legally required if you employ staff or labour-only subcontractors. Protects against claims for work-related injury or illness.
✔ Professional Indemnity Insurance covers claims linked to professional advice or design errors, including material specifications.
✔ Temporary Total Disablement Benefit provides a weekly payment if you’re unable to work due to injury.
✔ Third Party Financial Loss covers financial losses incurred by others due to your work.
Choose your level of Outbuilding Erection cover
Essentials
Our builder's Essentials package includes Public Liability insurance and cover for Third Party Financial Loss.
Ideal for: Solo installers or businesses of up to 15 employees seeking straightforward liability protection.
- Public Liability insurance up to £5 million
- Third Party Financial Loss £100,000
- Employers' Liability insurance (£10 million available)
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Capital Death Benefit and Tools cover.
Ideal for: Solo installers or businesses of up to 15 employees seeking straightforward liability protection.
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Employers' Liability insurance (£10 million available)
Plus
Our most comprehensive option, the Plus package builds on Classic by further adding Temporary Total Disablement Benefit, which can be increased based on your needs.
Ideal for: Businesses seeking comprehensive cover, including weekly benefits if you’re unable to work.
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Temporary Total Disablement Benefit up to £600 a week per person
- Employers' Liability insurance £10 million available
Optional Extras for Outbuilding Installers
Looking for extra insurances? We have a list of optional extras to give you the cover you need:
- Stock in Transit Cover
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
Who we cover
We provide insurance for tradespeople erecting sheds, garages, carports, and similar structures, including:
- Sole traders
- Partnerships
- Limited companies
- Small businesses (up to £3 million turnover)
- Contractors and subcontractors
Why choose Trade Direct for your Outbuilding Erection insurance?
- Trusted cover underwritten by Zurich Insurance Co Ltd.
- Over 40 years’ experience
- UK-based support team
- Flexible cover for small businesses
- 10% B&Q TradePoint discount
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
FAQs - Outbuilding Erection insurance
Related cover for Outbuilding Erectors
Tools insurance
Van insurance
Carpenters insurance
Get an Outbuilding Insurance quote today
Get straightforward cover designed around the work you do every day. See how Trade Direct Insurance supports outbuilding installers today.