<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WCK3FXN" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>What levels of cover do you offer? | Trade Direct Insurance
Need a hand? Get expert support on your cover from a real human
0800 0280 380 or

What levels of cover do you offer?

We offer three different levels of product, and these packages have been carefully designed to meet the varying needs of tradespeople and small businesses:


Essentials is a unique and comprehensive product, with Products and Public Liability insurance at its heart, and Employers’ Liability included as standard if you have employees. In addition to this core cover, you have the option to add a range of optional extensions, such as Jury Service, Contract Works, Hired-In Plant and Owned Plant.


Classic builds on Essentials, with Professional Indemnity cover included within the policy, as well the first £1,000 of Personal Tools cover (which you can increase), and other benefits designed to pay a lump sum should you die, or if you lose a limb while at work.


This is our most comprehensive product level, adding to the features and benefits included in our Essentials and Classic products. It includes Personal Accident cover, which is designed to pay a weekly sum to workers noted on the policy should they be unable to work due to an accident at work.

The personal accident weekly benefit shall be payable for not more than 104 weeks (excluding the first 14 days) in respect of any one injury.

Our core covers


* Included automatically in our Classic and Plus products
** Included automatically in Essentials, Classic and Plus products when employees are declared

Popular products

Trade Direct Insurance Services Limited (company number 1580129). Registered office Mill Pool House, Mill Lane, Godalming, Surrey, GU7 1EY. Trade Direct Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA), firm registration number 307734. You can check this by visiting the FCA website at www.fca.org.uk/register or by contacting the FCA on 0800 111 6768

© Trade Direct Insurance Services Ltd; All Rights Reserved.