Compare tradesman insurance quotes

Tradesman insurance is an umbrella term for a range of policies to cover against the specific risks tradesmen encounter as part of their job. This can include causing injury to yourself or a member of the public, having your tools stolen, or damage to plant equipment.

You’ll need to arrange bespoke tradesman insurance if you work in any of the following fields:

• Electricians and electrical contractors
• Building, bricklaying, plastering and construction
• Carpenters and joiners
• Painters and decorators
• Plumbing and heating engineers
• Property and building maintenance

You’ll need to tailor your tradesman insurance policy and choose only the cover you need for your business. There are lots of options to consider, whether you’re employed full time or need self-employed tradesman insurance, here are the main ones:

Public liability

Tradesman public liability insurance covers any compensation costs and legal fees you may have to pay if a member of the public injures themselves, or has their property damaged, as a result of your business activities.

Professional indemnity

As a professional, you’re selling your knowledge and expertise to customers. This could include, for example, providing consultancy and advisory services, or producing designs.

Professional indemnity cover is a type of tradesman liability insurance that can protect you in situations where negligence results in clients suffering financial loss as a result of errors in your work. In these situations, they could claim against your business for compensation.

Professional indemnity insurance can cover the cost of any ensuing compensation, the legal costs you might be faced with, and help to keep your business on its feet.

Business equipment insurance

This provides cover for your business equipment, whether it is lost, stolen or accidentally damaged whilst in the UK.

Tools cover

A type of business equipment insurance, this covers your hand tools and power tools in the event of loss, theft or accidental damage. You can also choose whether to protect your tools whilst they’re left in your vehicle overnight.

Contract works insurance

Contracts insurance provides a business with cover should they be unable to fulfil their obligations as part of a project/contracts site. You should check with the client whether this is required for instances where you might be liable to repair or redo work due to damages caused by flood, fire and theft.

Stock insurance

This protects your stock, materials in trade, and any customers’ goods for which you are responsible.

Own plant insurance

This provides cover for any accidental loss of, or damage to, an item of your plant.

Hired in plant insurance

This covers your legal liability under the terms of your hiring agreement to pay compensation for any damage to hired-in plant.

As a tradesman, there are a number of risks you face each day, each of which could adversely affect your business. It’s vital to make sure you have adequate insurance in place, to protect against these risks. We aim to find you the right tradesman insurance policy at the right price – you don’t want to overpay for insurance, but you need the peace of mind you have the right cover in place if you ever have to make a claim.

The simplest way to run a tradesman quote is to tell us what you’re looking for and we’ll compare what’s on offer. We’ll do all the hard work, so you can get back to the day-to-day running of your business – saving you time and money.

To get started give us a call on 0800 188 4930, or leave a few details at the top of the page and we’ll call you back.