Tradesman insurance

Q: What work height can you source cover for me?

From 15ft to 50ft or more, we can source insurance policies that cover a range of heights to suit your company and its needs. Whether you’re working on a commercial skyscraper or a terraced house, we’ll present you with options to select the right cover for you. The simplest way to find out whether we can cover your height is to get in touch with us.

Q: What should I do when a customer has asked for proof of insurance?

This is common when working with commercial clients. If a customer asks for proof of your insurance, show them your policy schedule. This will say the name of your business and your insurer, their covers and limits, and their policy start and end dates. Still need further proof? Get in touch with us and we can arrange a letter confirming the cover we've arranged as the business insurance broker.

Q: Can I include other trades with my cover?

If your company covers a number of activities within the trade industry, we can source cover for all-in-one insurance policy. We also have plenty of add-ons and alternate insurance options available to help give your business the protection you think it needs. Get in touch with us to find out how we can help find insurance cover for your business.

Q: What level of cover do I need?

It’s hard to say without knowing the facts, but we’re business insurance specialists, so we know how important it is to understand your unique requirements. Get in touch with us to discuss your options.

Q: Does Public Liability cover everything I need?

There’s lots of additional covers that could offer further protection for your business in the event of damage, injury or loss of equipment or tools. Get in touch with us to discuss your business needs.

Q: Do I need employers’ liability insurance?

Most employers are required to have employers’ liability insurance. Employers’ liability insurance provides cover in the event of employee injury. For more information on whether you are required to have employers’ liability insurance visit Employers' liability insurance - GOV.UK (www.gov.uk).

Q: Are tradesmen covered by the main contractor’s insurance?

Subcontractors may need to have their own insurance, separate to the main contractor’s insurance. Public liability insurance can protect and secure your business from risks and hazards that are common to commercial, industrial and residential construction sites.

Q: Do tradesmen need personal accident & sickness insurance?

While not a legal requirement, personal accident and sickness insurance can help you in the event of an accident by paying a weekly cash benefit if you’re unable to work temporarily from an injury, as well as a lump-sum payment if you’re rendered unable to work on a permanent basis.

Protect your trade and compare prices from £4.74 a month*

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*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

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What is tradesman insurance?

Tradesmen face unique risks, from accidental damage on-site to theft of essential tools. Tradesman insurance can help safeguard your business from financial setbacks that could arise during everyday operations. Whether you’re a sole trader or run a team, this cover could be essential for protecting your livelihood.

Tradesman business insurance is designed to offer protection for those working in trades such as construction, plumbing, electrical work, or painting. It can cover various risks that arise from your day-to-day activities, including accidentally damaging a client’s property or if your tools are damaged or stolen. By having the right insurance cover in place, you may reduce the financial impact of unexpected incidents.

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We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

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What cover can business insurance for tradesman include ?

Insurance for tradesman can include a variety of covers, depending on your business. Some common types include:

Professional indemnity insurance

This can protect you for loss or damage to clients or third parties resulting from negligent services or poor advice.

Equipment & tools cover

Cover for your essential business equipment and tools, whether they're at home, in the van or on-site.

Contract works insurance

Protection against the loss of, or damage to, a construction project or site. You’ll be covered for the labour and material costs to re-do the work.

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Own or hired in plant insurance

This can protect you financially against the costs of damage to or loss of plant machinery that you own or hired.

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Compare tradesman insurance
from £4.74 a month^*

As a person in the trade, you can understand the importance of having the right insurance package to mitigate risks. We can help you get the cover you want with less hassle.

Compare quotes from leading insurers, all in one place
Prices from £4.74 a month^*
In partnership with Simply Business

*The price is for up to £2 million of public liability insurance – 10% of customers paid £4.74 or less annually between 1st Jan - 31st May 2024. Equivalent to £56.82 a year (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available and these all have additional costs.

Tradesman insurance FAQ's

If you have a question about your tradesman insurance, you might find the answer here in our FAQs.

What work height can you source cover for me?

What should I do when a customer has asked for proof of insurance?

Can I include other trades with my cover?

What level of cover do I need?

Does Public Liability cover everything I need?

Do I need employers’ liability insurance?

Are tradesmen covered by the main contractor’s insurance?

Do tradesmen need personal accident & sickness insurance?

For more information on protecting your business, check out our FAQ's Hub

Additional information on tradesman insurance

How much does tradesman insurance cost?

The cost of tradesman business insurance varies based on your work, number of employees, and level of cover. Higher-risk trades may have higher premiums. For the right insurance, it may be useful to compare quotes considering your business activities and associated risks.

Why tradesman liability insurance matters

Accidentally damaging property, can happen. Without adequate tradesman liability insurance, you may face the cost of legal claims. If you hire staff, liability insurance is a legal requirement in the form of employers' liability insurance. Having the right cover could help manage risks and protect your business.

Personal Accident Cover

Construction sites can be hazardous, and accidents are always possible. Personal accident cover may provide financial assistance if you are injured and unable to work. Additionally, accidental death coverage could offer financial support to your loved ones in the unfortunate event of a fatal accident on the job.

Additional benefits of tradesman insurance

Beyond the basic covers, you could consider additional protections such as:
- Legal expenses insurance
- Tools cover
- Contract works cover

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Safeguard your business from financial risks including professional negligence claims, equipment and tools damage or theft, public liability, plant insurance and much more.

Select your cover options
Compare from leading insurers
Buy online in minutes

What is tradesman insurance?