Tradesman Insurance
Affordable, comprehensive cover for sole traders and small trade businesses — protecting you, your tools, and your livelihood on every job.
What's Covered
Tradesman insurance packages bring together the essential covers that sole traders and small trade businesses need at an affordable price.
Public Liability
Covers compensation and legal costs if you accidentally damage a client's property or a member of the public is injured as a result of your work.
Employers' Liability
A legal requirement if you employ anyone — including apprentices and casual labour. Covers claims from employees who suffer work-related injury or illness.
Tools & Equipment
Protects your tools and portable equipment against theft, loss, and accidental damage — whether in your vehicle, on-site, or in storage.
Contract Works
Covers materials and work in progress against damage from fire, theft, storm, flood, and vandalism until the job is handed over to the client.
Personal Accident
Provides a weekly benefit and lump-sum payment if you are unable to work due to accidental injury, helping to replace lost income while you recover.
Legal Expenses
Covers the cost of legal advice and representation for contract disputes, tax investigations, and employment tribunal claims.
Cover for Every Trade
We arrange affordable insurance packages for tradespeople across all disciplines, tailored to the specific risks of your trade.
Plumbers & Heating Engineers
Cover for water damage, gas safety liability, and the specialist tools and equipment that plumbing and heating engineers rely on daily.
Electricians
Protection for accidental damage to client property, testing equipment, and the professional liability that comes with electrical certification work.
Carpenters, Painters & Decorators
Cover for working at height, damage to client interiors, tools and materials, and the contract works you carry out on domestic and commercial properties.
Frequently asked questions
Do I need insurance if I'm self-employed?
While there is no legal requirement for sole traders without employees to hold insurance, public liability cover is essential for any tradesperson working on client properties. Many customers and main contractors will require proof of insurance before allowing you to start work, and without it you are personally liable for any claims.
How much tools cover can I get?
Tools and equipment cover is typically available from £1,000 up to £15,000 or more, depending on your trade and the value of your kit. Cover protects against theft from vehicles (subject to security requirements), theft from site, and accidental damage. Higher-value specialist tools may need to be individually specified.
Am I covered when working on domestic properties?
Yes. Tradesman insurance is specifically designed to cover work carried out on domestic properties, including accidental damage to the customer's home and contents. Public liability cover responds if you damage a client's property or a member of the household is injured as a result of your work.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.