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Please note our changed opening hours over the Christmas period.
17th December to 21st December open as usual | 24th December 9am to 1pm | 25th December and 26th December - Closed | 27th December to 28th December 9am to 6.30pm | 31st December 9am to 1pm | 1st January Closed | 2nd January open as usual.
Best wishes for a Merry Christmas and prosperous New Year
"Insurance At Trade Prices"
Over 40,000 customers have chosen Trade Direct
Over 30 years trading
Expert UK telephone support available
Quote and cover in less than 5 minutes
Save on your Public Liability Insurance this year and next. GUARANTEED
We GUARANTEE to SAVE you up to 20% when you join us*1
SAVE up to £745 with our exclusive offers
SAVE with our price freeze at renewal*
Never Stop Saving Logo *Applies to like for like cover.  Acceptance criteria and Terms and Conditions apply. 1. At least 10% of eligible customers will achieve the full 20% saving against their current renewal.

In partnership

Public Liability Insurance

We’re proud to have partnered with the Consumer Protection Association to offer you Public Liability insurance

4.7/5 rating - read our reviews
up to £5M Public Liability cover for your business needs
24 hour tools cover available
We’ll also inform CPA that you’re insured so they can update your record, saving you the hassle of uploading your certificate

What cover can I get?

Optional extensions availableOptional extensions including Employers Liability, Stock, Contract Works, Owned Plant and Hired in Plant

Personal Accident and Jury Service cover availablePersonal Accident and Jury Service cover extensions available (subject to product selected)

Tools cover availableTools cover with 24 hour protection available

Cover of £1M, £2M or £5M availablePublic Liability cover of £1M, £2M or £5M available

Who do we cover?

We cover all types of businessesWe cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships

Covering over 70 tradesWe cover over 70 trades in the building and construction industry

Cover for additional trades availableCover for an additional, or secondary, trade is available

Cover up to 15 employeesYou can insure a total of up to 15 employees or trainees

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Provided by
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Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

Zurich logo

Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Our website uses secure encryption, from Thawte, so you can be confident that your data is safe on our website.

Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.

Never Stop Saving with Trade Direct Insurance

Save when you join us

By switching your Public Liability policy to us, we guarantee to save you money on your current renewal price, on like for like cover. Acceptance criteria and terms & conditions apply. See how it works.

Save with special offers

All Trade Direct Insurance customers have access to special discounts on a range of products. From tools to materials to services, you can save money all through the year with our partner benefits.

Save with our price freeze

We recognise and reward loyal customers, so when it comes to renewal we want to save you even more money. We guarantee to freeze your price at renewal if you’ve had a claim free year with us in the last 12 months. This applies to first year renewal. Applies to like for like cover. Excludes discount and Insurance Premium Tax change.

Save when you join us

Here’s how it works.

Online customers

1. Get a Public Liability quote from us online. You must make sure that the details you provide are the same, or as close as you can get, to your existing insurance cover.

You’ll need to get to the “Summary of Quotation” page on our website and receive the “Full Quotation” email from us.

2. Ring Us: If we’re not cheaper, then please ring us on 08000 280 380 (Monday to Thursday 08:00 – 20:00, and Friday 08:00 - 18:30).

You’ll need to tell our sales agent that you got a quote online, and that you’d like them to beat your renewal. They’ll ask you how much your renewal price is, and ask you to send in proof of your renewal cover and price (see below)

Telephone quotations

If you’d like us to beat your renewal over the phone, please mention this to our sales agent at the start of your quote. If our quote isn’t cheaper than your current insurer, let our sales agent know how much you’re currently paying.

The agent will ask you to confirm details of your existing cover, and how much your current renewal quotation is for. They’ll also ask you to send proof of your renewal cover and price (see below).

Sending proof

You can send proof of your renewal cover and price to either, or via the post to:

Beat My Renewal
Trade Direct Insurance
Ockford Mill

If your current renewal is an email, it may be easiest to forward this to us at

If it’s a paper renewal, it may be easiest to snap a picture with a phone, and email this to us. We don’t need your whole renewal pack – just the key parts about cover and price.

You should keep the originals, as we cannot return documents sent to us relating to this offer

Terms and Conditions – Beat my renewal

  • The offer applies only to like for like cover to your existing Public Liability insurance policy
  • The offer is open to both new and existing customers
  • The discounted price is only available via the phone
  • The offer is only open to customers who have not claimed against a Public Liability or Employers’ Liability policy within the last 3 years
  • You will be required to send proof of your renewal quotation from your existing insurer including details of your cover and premium
  • The offer is based on the cover provided by our Essentials product
  • This offer is not open to customers purchased on any affiliate sites including Quidco, Topcashback and easyfundrasing
  • Acceptance criteria apply
  • Failure to provide proof of your renewal cover and price may either prevent or delay the provision of insurance at the offer price, or the cancellation of your insurance
  • Trade Direct Insurance will not return any documentation received in conjunction with this offer
  • Trade Direct Insurance Services Limited reserves the right to withdraw the offer at any point for any reason
  • The product and insurer offered as part of this promotion is at the discretion of Trade Direct Insurance, and may not be the product or insurer offered online
  • Underwriting terms, conditions and exclusions apply
  • There may be times when we are unable to offer cover, and our decision as to whether we wish to offer insurance is at our discretion
  • The offer is open to businesses located in the United Kingdom, including Northern Ireland, the Isle of Man and the Channel Islands
  • This offer cannot be used in conjunction with any other offers

Terms and Conditions – Renewal price freeze

  • This offer is open only to new customers reaching their first renewal anniversary
  • The offer applies only to like for like cover on your existing Public Liability insurance policy
  • The offer is only open to customers who have not claimed during their first year of cover or made material changes to the risk details of their policy
  • Price freeze excludes discounts and changes to Insurance Premium Tax
  • Acceptance criteria apply
  • Trade Direct Insurance Services Limited reserves the right to withdraw the offer at any point for any reason
  • The offer is open to businesses located in the United Kingdom, including Northern Ireland, the Isle of Man and the Channel Islands
  • This offer cannot be used in conjunction with any other offers

The Consumer Protection Association is an appointed representative of CPA Consumer Guard Ltd (reg. number 02827338, FCA number 306009) which is an Intermediary (Introducer) of Trade Direct Insurance Services Ltd.