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Features and Benefits

  • Compare quotes from our panel
    Receive competitive quotes from a panel of leading insurers, saving you time and hassle.
  • Tailor your cover to fit your needs
    Combine your tradesman insurance cover with damage and theft cover for tools.
  • Variable cover limits to suit your needs
    Choose from public liability insurance limits of £1m, £2m or £5m to get the right levels of cover for your business.
  • Easy to buy
    Get quotes online in minutes or speak to experienced advisers for advice on the best cover for your business needs.
  • Optional Employers Liability
    Optional £10m of employers’ liability insurance to protect against compensation for injury to staff.
  • Protect your business
    Get cover for legal costs and solicitors’ fees to defend allegations made against you relating to an insured business incident.

Keep in Mind

  • To offer this insurance service, we work with Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s largest insurance brokers. Arthur J. Gallagher will search a panel of insurance providers for quotes tailored to your business’ insurance needs.
  • Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.
  • Employers’ liability insurance is a legal requirement for almost every business that employs staff, including contractors, casual workers and volunteers. The legal minimum for cover is £5m.
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Need some guidance?

Our handy tool can help drill down to the main covers relevant to your business type.


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Need advice?

Call 0345 377 0002Call telephone number 0345 377 0002 to get advice from specialists on the insurance you need. The general line is available from 9am to 5pm Monday to Friday. You’ll have the option to buy your policy over the phone, and request instant cover.

Alternatively, compare quotes online from a panel of insurers.

If you’re working on site, in a customer’s home or on other premises, this policy protects you, a partner or employee should a customer claim against you for an accident that causes injury or damage and provides compensation to correct your mistakes as well as cover any legal costs.

For example:

If a painter and decorator accidentally spills paint over a customer’s carpet whilst working. The tradesman would be liable for the cost of replacing the damaged carpet.

Public liability is the core element of insurance in this policy however; there are other optional covers which can be included to protect your business needs.

You should consider tradesman insurance if you:

  • work on a building site
  • work in a customer’s home
  • work on other premises

Types of businesses that would typically have tradesman insurance include:

  • Builders
  • Electricians
  • Carpenters
  • Gardeners
  • Painters and decorators
  • Plumbers
  • Sign writers
  • Window cleaners

This is not an exhaustive list as many businesses can require tradesman insurance.

Note: Some trade associations will not allow you to register with them unless you have public liability insurance. Some businesses and Local Authorities will also ask you to provide proof of public liability insurance with a certain level of cover before they will do business with you.

Cover can vary depending on your individual needs, but commonly include:

Commercial vehicle cover

If you rely on your van to do business, you have far more to lose from accidents or breakdowns than the repair costs alone. Commercial vehicle cover can help towards repairs and the cost of a temporary replacement van.

Tool cover

A tradesman’s toolbox can contain thousands of pounds worth of equipment – plus much more in money-making potential. Tool cover protects you against expensive replacement costs should your power tools or hand tools get damaged or stolen.

Personal accident cover

Personal accident cover is designed to pay out a lump sum if you or anyone who works for you gets seriously injured or loses their life on the job.

Please note this is not a comprehensive list. Additional covers are available to ensure your business is suitably protected.

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Professional Indemnity Insurance

Protect your business against allegations about your service or the advice you provide.

Find out about Professional Indemnity Insurance

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Fleet Insurance

If your business has three or more vehicles, a fleet insurance policy can be arranged to help keep your company vehicles protected.

Find out about fleet insurance

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Public Liability Insurance

Protect your business against third party claims of accidental injury or damage.

Find out about Public Liability Insurance

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Product Selector

Need some guidance? Our handy tool can help drill down to the main covers relevant to your business type.

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Get a Quote online

Complete our online form to compare quotes from a panel of tradesman insurers.

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Need Advice?

If you’re not sure what you need, call to speak to experienced tradesman insurance advisers.

0345 377 0002Call telephone number 0345 377 0002

Lines available from 9am to 5pm Monday to Friday

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