Essential Protection for Tradesman & Contractors
Tradesman and contractor insurance provides comprehensive protection for skilled tradespeople and contractors. It protects you against financial liability when working on client premises, covers faulty workmanship claims, and protects valuable tools and equipment. For any tradesman or contractor, appropriate insurance is essential protection for your business reputation and finances.
Whether you're a plumber, electrician, builder, decorator, roofer, specialist trade worker, or professional consultant, our tailored coverage ensures you have protection against the specific risks your trade faces. We work with leading specialist insurers to ensure you have appropriate coverage limits for your specific trade, working environment, and risk profile.
What's Covered
- Public Liability: Claims from clients or third parties for injury to persons or damage to property caused by your work
- Professional Indemnity: Claims for faulty workmanship, professional negligence, or errors in your work
- Tools & Equipment: Damage or theft of your tools, equipment, and materials both on site and in transit
- Legal Expenses: Legal costs if you're sued for work-related claims or pursued for non-payment
What's Not Covered
It's important to understand what your tradesman insurance doesn't cover. Standard policies have specific exclusions designed to cover insurable risks and unexpected events.
Intentional or wilful damage: Deliberate damage caused by you or your team members
Design liability and errors in professional plans: Claims arising from faulty design or errors in architects' and engineers' plans
General wear and tear on tools or vehicles: Gradual deterioration or normal depreciation of equipment and machinery
Contract disputes and payment disagreements: Claims arising from disagreements over contract terms or payment disputes
Employee injuries: Employee injuries covered under separate employers' liability insurance instead
Losses outside policy period: Claims or incidents occurring before the policy started or after it expired
Specialist Trades & Coverage Options
Insurance requirements vary significantly depending on your specific trade, the nature of your work, and whether you work on residential or commercial projects. We offer flexible coverage options tailored to your specific needs and risk exposure.
Contract works insurance protects temporary structures and works on site. Employers' liability coverage protects you if any employees are injured at work. Plant & equipment cover extends protection to specialized equipment and machinery used in your trade. Personal accident cover provides benefits if you're injured and unable to work. Goods-in-transit coverage protects materials and equipment while being transported between sites. Hired-in plant protection covers equipment you rent or lease for specific projects. Our specialists work with you to identify optional covers most relevant to your specific trade and operations, ensuring you have comprehensive protection against the risks your business faces.
Trades We Cover
Insurance needs vary depending on your specific trade and the nature of your work. We cover a wide range of trades and professional services to ensure appropriate protection for your specific operations.
Trade Categories We Protect
Construction & Building
Protection for builders, carpenters, joiners, plasterers, decorators, and general contractors working on construction and building projects.
Mechanical Services
Coverage for plumbers, gas engineers, electricians, heating engineers, HVAC specialists, and other mechanical services professionals.
Specialist Trades
Protection for roofers, glaziers, scaffolders, welders, and other specialist tradespeople with expert risk management support.
Professional Services
Coverage for architects, surveyors, engineers, and other professional consultants providing technical expertise and planning services.
Risk Management & Workplace Safety
Effective tradesman insurance protection goes beyond coverage. We help you prevent claims before they happen through proactive risk management and expert guidance specific to your trade.
Our risk management service includes comprehensive safety training for you and your team on work-related hazards and best practices, ensuring proper use of Personal Protective Equipment (PPE) appropriate to your trade, conducting thorough site risk assessments before and during projects, implementing regular equipment maintenance schedules to prevent failures and accidents, ensuring full compliance with health & safety regulations in your sector, and maintaining professional contractor accreditation and certifications. When claims do occur, we provide comprehensive support, working with claims experts to investigate thoroughly, manage the claims process efficiently, and negotiate fair settlements. By combining expert insurance protection with proactive prevention, we help your trade business stay protected and operate safely. Tradesman insurance is essential protection for your livelihood, and we ensure you have appropriate coverage with expert support throughout your insurance journey.