Tradesman insurance
Protect your business with reliable tradesman public liability insurance
Whether you’re on site, in a customer’s home, or moving between jobs, tradesman insurance helps protect you against the everyday risks of working in the trade. At Trade Direct Insurance, we offer straightforward tradesman public liability insurance built for how you actually work.
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What is Tradesman Liability Insurance?
Tradesman liability insurance is designed to protect tradespeople if their work causes injury to a client or member of the public, or damage to someone else’s property. It’s suitable for a wide range of trades and can be combined with other covers under one policy.
What’s included?
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Employer’s Liability Insurance (optional)
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Tools Cover (optional)
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Professional Indemnity (optional)
Clear cover, no jargon - just protection that works around your trade.
Refer a Friend
Get rewarded!
Know someone who could benefit from dependable cover? Whether it’s a friend, family member, or business contact, we’ll say thank you for recommending Trade Direct Insurance.
When someone you refer takes out a new public liability insurance policy with us, and keeps it for three months, you’ll both receive a £25 Amazon voucher.
What Does Tradesman Insurance Cover?
Tradesman insurance is built to cover the risks that come with working on site, in homes, and on commercial projects.
You can find more detail in our guide: What insurance do I need as a tradesman?
What’s Covered
✔ Injury to clients or members of the public
✔ Damage to third-party property
✔ Legal defence costs
✔ Compensation payments
What’s Not Covered
✘ Injury to yourself or your employees (unless Employers Liability is selected on your policy)
✘ Damage to your own tools or equipment (this is covered separately under tools insurance, where included)
✘ Poor workmanship that doesn’t result in injury or damage
✘ Activities or trades not specifically listed on your policy
Do I need tradesman insurance?
We know accidents can happen, no matter how experienced you are. For any tradesperson, self-employed, sole trader or professional, having comprehensive coverage against injuries, damage and more can help protect you from financial loss.
Consider how much risk your work poses to others - ask yourself if someone made a claim against you, could you and your business afford to pay the financial consequences? This is where tradesman insurance matters.
How much is tradesman insurance?
You can be sure that the cost of having tradesman insurance outweighs the potential cost of not having it. The cost of a policy with us varies depending on the work you do and the size of your business.
Picking the cheapest quote can seem like the easiest option, but not all policies are equal. The best thing to do is get a free no-obligation quote. Make sure you give us accurate information, so you know your policy is worth the price and so you can tailor comprehensive coverage to meet your needs.
What is Tradesman Tools Insurance?
Tradesman tools insurance helps protect the tools you own against loss, theft, or damage. Whether your tools are on site, in transit, or stored in a locked building or vehicle, tools insurance adds an extra layer of protection to your business.
It’s ideal for tradespeople who rely on their tools to earn a living and want cover that works day and night.
Can I have an Additional or Secondary Trade?
Yes. Tradesman insurance can cover both your main trade and any additional or secondary trades, as long as they’re disclosed when setting up your policy.
This is useful if your work crosses multiple disciplines or you offer more than one service as part of your business.
What is meant by a Main Trade?
Your main trade is the primary type of work your business carries out. It’s usually the trade you spend most of your time on or generate the most income from.
Your policy is built around this main trade, with options to include additional trades where required.
What Does Personal Accident Insurance Cover?
Personal accident insurance provides financial support if you’re unable to work due to an accident.
It can help with:
- Loss of income
- Weekly benefit payments
- Support during recovery
This cover is designed to give you peace of mind if an accident stops you from earning.
Your Tradesman Insurance Cover Options
Essentials
- Public Liability up to £5 million
- Third Party Financial Loss £100,000
- Employers' Liability insurance £10 million available
Classic
Our Classic package builds on Essentials by offering Professional Indemnity cover as well as Capital Death Benefit and Tools cover.
- Public Liability up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Employers' Liability insurance £10 million available
Plus
Our most comprehensive option, the Plus package builds on Classic by adding Temporary Total Disablement Benefit, which can be increased based on your needs.
- Public Liability up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Temporary Total Disablement Benefit up to £600 a week per person
- Employers' Liability insurance £10 million available
Extras
Looking for extra insurances for your work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
- Tools cover (from £1,000 to £15,000)
Who We Cover
Tradesman insurance is available for:
- Sole traders
- Partnerships
- Limited companies
Cover is suitable for a wide range of industries, including:
- Plumbing
- Electrical
- Construction
- Building and maintenance
- Decorating and property services
Get Tradesman Insurance in Minutes
Getting tradesman insurance doesn’t need to be complicated. Our digital-first quote process lets you get covered quickly, without paperwork or confusion.
You’ll get:
- A fast online quote
- Clear cover options
- No obligation to proceed
- UK-based support if you need it
- Sorted in minutes. Backed for years.
Protect Your Business Today
Every job comes with risks - tradesman insurance helps protect your business, your reputation, and your livelihood. With clear cover, trusted insurers, and a fast quote process, you can focus on the work that matters most.
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