Tradesman insurance for sole traders and small contractors. Cover for public liability, employers liability, tools, and contract works. Arranged by FCA-regulated brokers.
Tradesman insurance is typically a package policy combining public liability insurance, employers liability insurance (required by law if you employ staff), tools and equipment cover, and contract works insurance. The exact cover depends on your trade and risk profile.
We arrange insurance for a wide range of trades including builders, electricians, plumbers, roofers, painters and decorators, carpenters, groundworkers, plasterers, gas engineers, and many more. If your trade is not listed, call us to discuss your requirements.
We do not provide instant online quotes. Call us on 01733 263311 or request a call-back and one of our specialist brokers will discuss your trade, turnover, and requirements before approaching the market.
Public liability insurance is not a legal requirement for sole traders, but it is strongly recommended and often required by clients, principal contractors, and trade bodies before work begins.
Tools cover can be included in a tradesman insurance policy, but cover for tools left in an unattended vehicle overnight is often restricted or excluded. Check the policy terms carefully. We will advise on the most appropriate cover for your circumstances.
Yes. Tradesman insurance is designed for tradespeople working across multiple sites and for multiple clients. Cover is based on your trade, turnover, and activities.
Cover is subject to underwriting, insurer terms and acceptance. Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 717691).