What is tradesman insurance?
Tradesman insurance is designed to protect you and your business from customer claims or members of the public.
When you're working on a job, there are risks and hazards everywhere for you, your workers and the public. With tools and materials left lying around and exposed work areas close to the public, there is more chance of something happening.
Product features
- Public liability cover of up to £5 million
- Professional indemnity cover available
- Cover for financial loss
- Accidental death cover
- Tools cover up to £15,000
- Personal accident cover
- Plus optional extensions and extras
- Option to pay in monthly instalments
Who do we cover?
- Sole traders
- Contractors
- Partnerships
- Limited companies
- Limited liability partnerships
- Insure up to 15 employees
What trades do we cover?
- Over 70 recognised trades covered
- Plumbing and Heating
- Builders
- Electrical contractors
- Painters and Decorators
- Locksmiths
- and more
- Cover for multiple trades available
Why Trade Direct?
- Over 30 years trading
- Backed by Zurich insurance
- Winner of the On The Tools awards
- Expert UK telephone support
- Get a quick quote in under a minute
Do I need tradesman insurance?
For any tradesperson, consider how much risk your work poses to customers and members of the public.
If they're visiting your premises, or you're working on theirs, ask yourself if someone made a claim against you, could you and your business afford to pay the financial consequences? This is where tradesman public liability insurance helps.
How much is tradesman insurance?
You can be sure that the cost of having tradesman public liability 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.
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.
Tradesman insurance cover options:
In general
Tradesman insurance will cover the following. Please note, the amount your're covered for will vary on your policy.
- Compensation payments for a third party injury (or potentially death)
- Coverage of medical fees for a third party
- Medical fees while you defend claims
- Repairs or replacements of property or possessions for the third party
Essentials
The best place to start is our Essentials package. Our quality liability product also includes basic indemnity insurance and cover for financial loss.
- Public liability insurance of £1 million, £2 million or £5 million
- Covers businesses with up to 15 employees
- Covers businesses with a turnover of up to £3 million
- £10 million of Employers' Liability cover included (for companies with employees)
- 100 days of temporary employee cover included (for companies with employees)
- Professional indemnity insurance
- Financial loss
Classic
Our Classic package builds on the Essentials package by offering greater Indemnity Cover and Financial Loss, as well as Accidental Death and Tools Cover.
- Public liability cover
- Professional indemnity cover
- Financial loss cover
- Accidental death cover
- Tools cover up to £15,000
Plus
Our most popular package, the Plus package builds on the Classic package by further adding Personal accident cover for the policyholder, which can be increased based on your needs.
- Public liability cover
- Professional indemnity cover
- Financial loss cover
- Accidental death cover
- Tools cover up to £15,000
- Personal accident cover
Related content & insurances
Public Liability Insurance FAQs
Got a specific question on public liability insurance? Find out everything you need to know, including what it's designed for, the levels of cover, plus much more.
Van Insurance
Get covered with comprehensive, third party only or third party fire & theft van insurance. Check out our cover options, features and benefits.
Tools Insurance
Tools are your livelihood, that's why we offer standalone cover just for your tools. Also a great addition to any existing policy, with tools insurance you can extend your cover up to £15,000.
Personal Accident & Sickness
When you're not working, you're not earning. So what happens when you can't work due to sickness or an injury? That's where Personal accident & sickness cover helps.