Tradesman Insurance

Whether you are a plumber, a carpenter, a painter, an electrician, gardener or any of the other hundreds of different trades we cover. We have bespoke and adaptable tradesman insurance for you and your tools. Build your own policy by choosing from a range of liability options and specialist tradesman covers, including professional indemnity if required.

0344 892 1664

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About Tradesman Insurance

Trade

Specialist insurers for your business

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

Group

Quick tradesman insurance quote

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

Options

Build your own tradesman policy

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

Direct Debit

Pay by Direct Debit

You can choose to split your tradesman insurance payments into 10 monthly instalments

Features of Tradesman Insurance

Standard cover

Get tailored cover

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; i.e. as you take on employees, purchase new equipment or take on larger contracts. You can adjust your tradesman cover with a simple call.

Specialist tradesman cover

Many insurers have trouble providing some of the more specialist types of cover such as JCT insurance (Joint Contracts Tribunal), non-negligence insurance and ‘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 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. 

Liability and professional indemnity insurance

Whether you’re a one-man band, partnership or limited company having 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 have. We can provide tradesman insurance for public, product and employers’ liability cover (with up to £10million of protection for each).

Tradesman tools insurance

Our flexible options for tools cover, 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, and even for 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.

Tradesman Insurance FAQs

Question

Can you offer tools cover and up to how much?

Answer

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.

Question

I have been declared bankrupt in the past, would I still be able to get insured through you?

Answer

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

Question

Can you provide JCT insurance and can you cover my sub-contractors’ tools?

Answer

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.

Question

I need 'contractors all risks' cover for my contract, can you offer this?

Answer

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.

Question

What level of public liability do you recommend?

Answer

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.

Question

Can I pay in instalments?

Answer

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.

How do I make a claim?

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

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim