Tradesman Insurance

Cover for hundreds of trades, from painters and electricians to gardeners.

  • An adaptable tradesman insurance that can cover you and your tools.
  • Build your own policy by choosing from a range of liability options and specialist tradesman covers.
  • Access your quotes, policies and renewals in your online account

Call us on 0330 173 3617 or get a quote online.

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Why choose tradesman insurance with Towergate?

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Specialist insurers for your business

We search a panel of carefully selected insurers for a tradesman insurance policy that works best for you.

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Quick tradesman insurance quote

Friendly advisers on-hand to help get you the right quote quickly.

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Build your own tradesman policy

Tailor your own policy and choose the covers that suits you most

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Pay by Direct Debit

We offer a quick and easy Direct Debit instalment scheme so you can spread payment over ten months. 

About tradesman insurance

Whether you are a plumber, a carpenter, a builder, electrician or a gardener, we cover hundreds of different trades with tradesman insurance.

Tailor your policy to meet your specific requirements with our wide range of liability options. Our cover can include trades that require working with heat (blow lamps etc) and working at heights up to 15 metres and depths down to 2 metres.

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We cover a wide range of properties and types of tenants including multi occupancy, students, local authority placements, unoccupied and much more. You can compare prices from a range of leading insurers - so you get the right landlord insurance policy for your needs.

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The right cover for your business

Experts in their field, our tradesman insurance team understand the subtle differences in requirements between the trades, so they can tailor your policy according to your unique needs. Our policies remain flexible as you grow, whether it is when you take on employees, purchase new equipment or take on larger contracts. You can adjust your tradesman cover with a simple call.

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Specialist tradesman cover

We can provide specialist types of cover such as ‘contractors all risks’ (CAR) cover for your own plant, hired-in plant, and contract works cover. Our brokers, however, can source policies which include many of these features combined in one policy as you need them. We can even provide trade specific cover, such as professional indemnity for PAT testing and conditioning reports (EICRs) depending on the nature of the work you do. 

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Liability and professional indemnity insurance

Whether you’re a sole trader, partnership or limited company, if you work on your own or if you have a team of employees; whether you’re doing a bit of gardening or taking on larger public contracts, liability insurance is probably the most important cover you’ll need. We can provide tradesman insurance for public, product and employers’ liability cover (with up to £10million of protection for each). You can also choose to have personal accident cover to run in parallel.

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Tradesman tools insurance

Our flexible options include tools cover to enable you to protect your own tools if you want or need to. Better still, you can also get cover for your employees’ tools while they’re working for you. We can also cover any specialist equipment you hire in as well. Tradesman insurance tools cover can be extended to cover your tools when not in use or left locked away on site or in your van. Ask us for details.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call us on 0344 980 8367 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Select your insurer and price
  • Relax - you're covered!
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Tradesman insurance FAQs

Tradesman insurance is a business insurance policy for professionals in their field that covers several different important aspects, including your equipment, cover for your ongoing works, compensation costs following a legal claim against you and other optional extras depending on the work you do.

To qualify as a tradesman, you must be deemed as a professional in your field of work and be over the age of 16. Generally, tradesman insurance is designed for people working in their own homes, outside, or on their clients' property, so if you own or rent a specific business premises you may need to enquire into full business insurance.

The level of cover can be tailored to suit your needs and therefore the different things covered ranges depending on the cover you choose. Tradesman insurance can cover:

  • Public contracts
  • Private jobs
  • Consulting
  • Quoting
  • Working abroad
  • Working onsite

Your adviser can help you understand the different covers and the exact levels you might need during a quotation but we have listed some of the main features below. Our policies can be tailored to your business needs, so we can help you find the policy that is right for you.

This cover protects your business should a member of the public suffer an injury, loss or damage to themselves or their property through some type of negligence.

This is a legal obligation to all businesses with any number of staff members, including those who are unpaid or contracted staff. This cover will protect you and your employees should they become injured while working for you.

Yes, we can offer tools insurance for all trades, ranging from £1000 - £5000 per person. Also, own plant and hired in plant cover can be offered.

This will depend on your circumstances. Each case will be looked at on an individual basis.

We know that JCT is becoming more and more desired as part of tradesman insurance, even though it still remains relatively difficult to find among the various providers.

We pride ourselves on not only being able to source this protection for those looking for it, but also being able to accommodate any other types of cover you may need, such as sub-contractors and employees’ tools cover. Speak with one of our advisers about your needs and how we might be able to help.

We are a specialist trade's insurer and use a carefully selected panel of top insurers. We are able to offer Contractors All Risks cover choosing a package to suitable to each client's demands and needs.

The level of cover will depend upon your circumstances. The type of contracts the property you work at and any contractual requirements  We will offer a range of public liability insurance options enabling you to make an informed decision on the most suitable levels of cover for you.

This provides cover against an uninsurable event that stops you fulfilling a contract. An example would be when a storm destroys a structure being built. Contract works will only cover the parts of the building that you are working on, not the existing structure. The builder is liable for the materials, labour and extra time to finish the work.

If you own and/or hire equipment for you job your will be liable for their replacement should they be damaged or stolen. Own plant cover is insurance for the equipment you own. Hired plant cover is for that which you hire. It is possible to get yearly rates on hired in cover so if you make regular hires in a year, speak with your adviser about which might be the best option for you.

With hundreds of different types of trade there are a variety of different optional insurance features, including the below:

Jury service

This will protect your income if you are called up for jury service during a contracted job.

Personal accident

If you run your own business, a sickness or injury that stops you from working can be a worry. Personal accident insurance covers you for these eventualities and can even include personal injury and death. There are many different levels of cover, for more information speak to your insurance adviser.


Cover for your business against theft, damage or loss of tools. You also have the option to cover them when left in your vehicle overnight.

Efficacy cover

This protects you against an insurance claim from a customer where the product that has been sold, or service that was provided, failed to do the job it was intended for. For example, if you install security alarms and a faulty installation led to a successful burglary of the property, you could be held liable.

To help you manage the cost of your tradesman insurance premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Read more FAQs

Read tradesman insurance articles and guides

Displaying Your Employers' Liability Certificate

Find out about how and where to display your employers liability insurance certificate and the legal implications if you don't in our useful video.

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What is the Difference Between Public Liability and Professional Indemnity Insurance?

What is the difference between public liability and professional indemnity insurance? We define PL and PI insurance to help you decide if your business needs them.

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Covering Contractors Under Employers' Liability Insurance

As an employer you will need employers’ liability insurance. Read how to ensure your policy covers all workers that require it.

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