Paving Contractor's Insurance
- Underwritten by Zurich Insurance Company Ltd.
- Rated Excellent on Trustpilot
- Save 10% with B&Q TradePoint
- UK-based expert telephone support
- 40+ years protecting UK trades
Paving Contractors Insurance protects driveway, patio, or asphalt projects against accidental damage, theft, or liability. Quick online quotes and UK-based support make arranging your cover hassle-free.
What is Paving Contractors Insurance?
Paving contractors insurance protects businesses installing driveways, patios, paths, or asphalt surfaces. It covers claims if a third party is injured, their property is damaged, or tools and equipment are stolen or damaged.
Cover can include:
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Public liability for third-party injury or property damage
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Employers’ Liability if you employ staff
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Tools cover for essential equipment
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Optional extras: Contract Works, Hired-in Plant, Stock in Transit
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Limits: up to £5 million public liability and £1,000–£15,000 tools cover
How much does Paving Contractors Insurance cost?
The cost of Paving Contractors Insurance depends on:
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Type of paving or driveway work
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Number of employees or subcontractors
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Annual turnover
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Claims history
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Optional extras selected
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The level of cover chosen
A personalised quote is the quickest way to see your exact cost.
What can Paving Contractors Insurance cover?
What can be covered
✔ Public liability for third-party injury or property damage
✔ Tools and equipment cover (£1,000 standard, up to £15,000 optional)
✔ Legal defence costs if a claim is made
✔ Employers’ Liability insurance if you employ staff
✔ Optional extras: Contract Works, Owned & Hired-in Plant, Stock in Transit, Jury Service
What can’t be covered
✗ Wear and tear or mechanical breakdown
✗ Deliberate or criminal damage
✗ Unauthorised use outside contract terms
✗ Damage to your own property unrelated to work
✗ Work carried out before policy start date
✗ Items not listed in the policy
Why choose Trade Direct for paving contractors insurance?
Our paving insurance is comprehensive, straightforward, and built around how you work.
✔ Over 40 years supporting UK trades
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Rated Excellent on Trustpilot
✔ UK-based support team
✔ Cover for over 70 recognised trades
✔ Flexible cover for Sole Traders and businesses
✔ 10% B&Q TradePoint discount available
Your Paving Contractors Insurance cover options
Choose the level of cover that fits your paving business. Each package is designed to protect your work, tools, and finances while giving you flexibility to suit your trade and business size.
Essentials
Our Paving Insurance Essentials package includes Public Liability insurance and third party cover for Financial Loss.
✔ Public liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers’ Liability insurance (£10 million optional)
Ideal for: Sole Traders and paving businesses of up to 15 employees looking for straightforward liability protection.
Classic
Our Pavers’ Classic package builds on the Essentials by offering Professional Indemnity cover as well as Capital Death Benefit and Tools cover.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss cover £100,000
✔ Capital Death Benefit
✔ Tools cover £1,000 (up to £15,000 optional)
✔ Employers' Liability insurance (£10 million available)
Ideal for: Paving contractors who want additional protection for tools, professional risks, and financial security.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
The Paving Insurance Plus package builds on the Classic and features the below covers.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss cover £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)
Ideal for: Paving businesses handling larger projects or multiple sites, needing full cover including protection if unable to work due to injury.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional Extras
Looking for extra insurances for your paving work? We have a list of optional extras to give you the cover you need:
✔ Contract Works
✔ Stock in Transit cover
✔ Owned Plant
✔ Hired in Plant
✔ Jury Service cover
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.
Who and what we cover
Trades & work covered
✔ Paving contractors, driveway installers, patio and path laying contractors
✔ Asphalt surfacing and related surface works
✔ Landscaping contractors using paving machinery
✔ Multi-trade contractors combining paving with related construction work
Businesses we cover
✔ Partnerships
✔ Limited companies
✔ Limited liability partnerships
✔ Business specialising in paving and related trades (turnover up to £3 million)
Benefits of Paving Contractors Insurance
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Can cover repair or replacement costs for tools and equipment (depending on the cover you choose)
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Protects against claims for accidental damage or injury
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Supports your cash flow and finances in the event of a claim
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Demonstrates professionalism to clients
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Quick online quotes and instant access to policy documents and certificates
Paving Contractors Insurance FAQs
Related Insurances
Van Insurance
Covers vehicles transporting tools or plant.
Tools Insurance
Covers portable tools and equipment with cover up to £15,000. 24/7 protection for locked vehicles.
Masonry Insurance
Optional cover for related masonry work.
Get your Paving Contractors Insurance quote today
Protect your paving projects, tools, and business with Trade Direct Insurance.