Tradesman
insurance
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Insure your trade business for liability with zero hassle
Tradesman insurance is a public liability policy designed to protect self-employed tradespeople and small businesses from claims made by the public for injuries or property damage caused by their work activities. It provides vital peace of mind, ensuring tradespeople can focus on their craft without worrying about potential liabilities.
In partnership with some of the leading UK insurers, we’ll not only get you a better tradesman insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a tradesman.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a tradesman liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is tradesman insurance?
It covers a range of scenarios where your business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to tradesmen for several reasons:
- Business reputation: Having tradesman insurance showcases professionalism and accountability, giving clients confidence in your services.
- Financial protection: Accidents happen, and tradesmen often work in environments where the risk of injury or damage is high. Insurance ensures that you’re not financially burdened by unexpected claims.
- Legal compliance: While not legally required, many clients and trade organisations expect tradespeople to carry insurance to work on their projects.
The benefits of a tradesman insurance policy
From the tools you use to the people working on-site, being a tradesman comes with risks. Public liability insurance helps protect your business if someone is injured or their property is damaged because of your work.
Public liability cover for tradesmen:
Personal injury claims
Protects you against claims if your tools or work activities cause injury.
Damage to property
Covers accidental damage to a customer’s property while on the job.
Legal protection
Assists with legal defence costs associated with claims.
* Subject to your chosen level of policy cover and the prevailing policy excess.
Power up your insurance with additional cover for tradesmen
- Employers’ liability insurance: Required by law if you have people working for you. Covers claims from employees who suffer illness or injury due to their work.
- Tools insurance: Covers loss, theft, or damage to your tools. Including hand tools, power tools, and specialist equipment.
- Stock insurance: Protects the supplies you keep in stock for trades jobs. Covers theft, damage, or loss, on-site, in a vehicle, or at your premises.
- Contract works insurance: Protects building work in progress if damaged by events like fire, flood, or vandalism. Covers the labour, tools, and materials needed.
How much does tradesman insurance cost?
This depends on the nature and size of your trades business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
Costs depend on the cover you choose. Standard public liability starts at £1 million, with options to increase to £5 million or £10 million if required.
Nature of business
The nature of your trade affects premiums. Higher-risk trades, such as roofing or scaffolding, often come with higher insurance costs.
Location
Where your business operates plays a role. Areas with higher crime or vandalism can create claims activity and may result in increased premiums.
Business size and turnover
If your business has a high turnover or handles larger projects, insurers may require you to have more cover, leading to higher premiums.
Number of employees
Having more workers increases risk exposure, which could raise your insurance costs, even if your trade is considered low-risk.
Claims history
Previous claims can raise premiums as they signal higher risk, while a clean claims history can help reduce insurance costs.
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