Tradesman Liability Insurance

We can offer tradesman insurance with £10m public and products liability.

  • Flexible policies built to suit you
  • Contract works
  • 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 liability insurance with Towergate?


Flexible policies built to suit you

Speak to one of our dedicated team members to discuss any queries you may have.


£10 million cover

Up to £10 million public and products liability cover.


Contract works

Protect your site, works in progress and materials against accidental or malicious damage whilst the work is still in progress.

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Pay by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About tradesman liability insurance


Tailored and flexible cover to suit you

We want to make getting your insurance as straightforward as possible so that it doesn’t interrupt the way you work. Our specialist team can tailor your policy to your individual needs and as your business grows so will your policy, our team are on hand to adjust your policy at any time.


Tools and plant insurance

Tools, plant and equipment can be insured against any theft or malicious damage including while in transit.


Liability insurance

Whether you are a one-man band or you have a team, public liability insurance is the backbone of tradesman liability insurance. This provides cover for the damages and costs of being sued for injuring third parties or causing damage to third party property when you are working. 

If you have employees or labour only sub-contractors working for you, employer’s liability can be included in your tradesman liability insurance.


Cover for a variety of trades

Tradesman liability cover is available for a variety of trades from a locksmith to a bricklayer, grave digger to a wheelie bin cleaner. For more information scroll down to “What trades can you cover with tradesman liability insurance?” in the FAQs.

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 the claims team on 0344 892 1664 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
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Tradesman liability insurance FAQs

You might need help finding cover if:

  • You work at heights over 10m
  • You work in hazardous environments
  • You work with hazardous substances
  • You mix manual and clerical work
  • You work outside the UK
  • You have a previous claims history
  • There is anything unusual or highly specialised about the work you do

Our in-house team will be happy to help you tailor your policy over the phone. Simply call us on 0344 892 1664 to discuss your specific requirements.

We can cover a range of trades including but not limited to: 

  • Agricultural Contractors (Exc Contract milkers/milking parlours)
  • Alarm Installers
  • Artexers
  • Bath Resurfacer
  • Blind and Curtain Fitters
  • Boiler Services (Restricted Locations)
  • Bricklayers
  • Carpenters (Exc shuttering and form work)
  • Carpet Fitters
  • Cavity Wall Insulation Contractors
  • Ceiling Installers
  • Cleaners - Carpets/Upholstery (Exc. damage to the item being worked upon)
  • Cleaners-Interior (Industrial)
  • Cleaners-Interior (Non-Industrial)
  • Conservatory Installers (Restricted Locations)
  • Construction Plant Repairers
  • Conveyancer
  • Data cable installers - 15 metre height limit (Exc trenching/excavation/groundworking)
  • Drain Repairers - 2 metre depth limit
  • Drain Repairers - 5 metre depth limit
  • Drilling Contractors (borehole, investigation and well)
  • Dry Stone Wall Contractors
  • Ductwork installers - Exc fabricators (Exc Heat, Height limit)
  • Electrical Contractor (Portable Appliance Testing)
  • Electrical Contractors (Non-Industrial)
  • Electronic Engineers (Inc Hi-Tech )
  • Engraver
  • Fencing Contractor (Inc Crash Barriers)
  • Fire Extinguisher Service Engineers (Exc Sprinkler Systems)
  • Fitted Furniture Installers
  • Floral and plant arrangers - 5 metre height limit
  • Gardening (Exc Landscape Gardening and Mechanical Plant)
  • Grave Diggers
  • Gym Equipment Installers
  • High Pressure Water Washing Contractors
  • Hod Carrier
  • Hydraulic Engineers
  • Interior Designer
  • Joiners
  • Locksmith
  • Mastic Sealant Contractors
  • Non-Destructive Testers - 15 metre height limit
  • Non-Manual Site Supervisors - 15 metre height limit
  • Painter & Decorator (All other work)
  • Painter & Decorator (Non-Industrial)
  • Pest controllers
  • Pipe Fitters
  • Plastering Contractors
  • Potter
  • Pressure Washers - Path/Patio/Driveways only
  • Refrigeration Engineers (Excluding Inefficacy)
  • Refrigeration Engineers (Including Inefficacy)
  • Roller Shutter Door/Window Installation (Exc Automatic Barriers)
  • Roller Shutter Door/Window Installation 5 metre Height Limit (Exc Automatic Barriers)
  • Sculptor
  • Shed Erection (Domestic) - 5 metre height limit
  • Shelving & Racking Installers - 10 metre height limit
  • Shop and Office Fitters
  • Shop Equipment Servicing Engineers
  • Steel Reinforcing Rod Installers
  • Stonemasons
  • Street Furniture Installers - 5 metre height limit (Ex Traffic Management/Coning Contractors/Street Lighting)
  • Surveyor
  • Swimming Pool Engineers
  • Swimming Pool Installer (Restricted Locations)
  • Timber Decking Contractors
  • Treefellers/Tree Surgeons (Exc Abseiling/Climbing)
  • Vacuum Cleaner Repairer
  • Washing Machine Repairer
  • Wheelie Bin Cleaners
  • Window Cleaners - Water Pole Washing Systems Only

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.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Tradesman liability insurance articles

How To Build a Reputation as a Trusted Tradesman

With homeowners feeling the pinch of rising bills, finding a trusted tradesman to complete any property repairs at a fair price is more important than ever for would-be customers. Property owners often find themselves under pressure to keep on top of essential maintenance, so choosing a new tradesperson can be a daunting prospect – and many customers won’t know where to start.

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Securing Your Van and Tools - Keeping on Top of Van Security

Whether you work for a small business or you’re a sole trader, we know that keeping your van and its contents safe from criminals is a year-round concern.

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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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