Tradesman insurance
Insure your business for liability with zero hassle
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.
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.
24/7 claims service
We’re here for you round the clock
when you need us most.
Fairer prices for all
We only provide cover for good
drivers, so you’ll get a better deal.
Carbon offsetting
We’ll plant trees to clean up
after you. Seriously!
What is tradesman insurance?
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.
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.
What are the benefits of a tradesman insurance policy?
Personal injury claims
Protects against claims if someone is injured due to your tools or work activities.
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.
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:
Level of cover
Insurance 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 costs.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your liability requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.