Buy peace of mind today with Tradesman insurance
What is tradesman insurance?
Tradesman insurance is designed to protect you and your business from customer claims or claims from 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
- Up to 15 employees
- Businesses with turnover up to £3 million
- Single and multiple trades
What trades do we cover?
- Over 70 recognised trades covered
- Plumbers Insurance
- Builders Insurance
- Heating & Gas Engineers Insurance
- Electricians Insurance
- Painters and Decorators Insurance
- Cover for multiple trades available
Why Trade Direct?
- Save 10% with B&Q TradePoint
- Backed by Zurich, who pay 99% of claims
- Feefo™ Platinum Trusted Service Rated
- Expert UK telephone support
- Specialists in Tradesman Insurance
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 you work poses to others - 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 matters.
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.
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.
Your cover options
Essentials
Our Essentials package includes Public Liability insurance and cover for Financial Loss.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Financial Loss £100,000
Classic
Our Classic package builds on Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
Plus
Our most popular option, the Plus package builds on Classic by adding Personal Accident cover, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
- Personal Accident cover up to £600 a week per person
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)
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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.
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