Tradesman insurance covers the specific risks faced by tradespeople and contractors, including public liability, tools cover, employers liability, and professional indemnity.
Tradesman insurance is a package of covers designed for self-employed tradespeople and contractors. It typically includes public liability, tools cover, and employers liability where relevant. The exact covers required depend on your trade, the type of work you do, and whether you employ staff.
Public liability insurance is not a legal requirement for tradespeople, but most clients, contractors, and housing associations require you to hold it before you can work on their property. Minimum levels of cover are typically £1 million, £2 million, or £5 million depending on the client.
Public liability covers claims from third parties (clients, members of the public) for injury or property damage. Employers liability covers claims from your employees if they are injured or become ill as a result of their work. Employers liability is a legal requirement if you employ staff.
Tools cover is usually available as an add-on to a tradesman policy. It covers your tools and equipment against theft, loss, and accidental damage. Policies typically have limits per item and in aggregate, and some exclude theft from unattended vehicles.
Call us on 01733 263311 or request a call-back. Our brokers will discuss your trade, the type of work you undertake, and your cover requirements before approaching the market.
Cover is subject to underwriting, insurer terms and acceptance