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Tradesman Insurance

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You may require tradesman insurance if you are a tradesman who works in clients homes or offices.


Who needs tradesman insurance?

Trademan insurance may be required by numerous professions including plumbers, builders, electricians, decorators and many more. Professionals such as accountants, consultants, graphic designers, solicitors, surveyors who do not require office insurance but who need liability insurance and perhaps cover for equipment, can also avail of tradesman insurance.

What kind of cover do I need?

In the UK, you have a legal responsibility to have employers liability cover if you employ staff. Public liability insurance can also cover legal expenses due to claims arising from damage to property or injury to a customer or member of the public. You can also insure all of your tools and equipment on your tradesman insurance policy for complete peace of mind.

Do I have to contact separate companies to make a tradesman insurance comparison?

Quotezone aims to take the hassle out of insurance by letting you fill in one simple online form about your business, and our panel of insurance providers will contact you directly to talk about a tailor-made quote.

Quotezone is regulated by the Financial Conduct Authority so you know that we only work with FCA authorised insurance providers, and your details are only used for the purposes of getting your tradesman insurance quote.

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Tradesmen Insurance

When it comes to having a trade then having the right insurance cover in place as a sole trader or a business with employees could be important. This may not only protect the person running the trade but also anyone they are connected with in delivering a job whether that is the client or a member of the public. Tradesmen insurance could be flexible in providing insurance for several trades, tools and even public liability. This could mean that those carrying out work could be reassured that they have appropriate insurance in case anything goes wrong or if anyone was to make a claim against them.

What does tradesmen insurance involve?

A typical tradesmen insurance policy may enable a person to only have the insurance cover that they require for their business. In general there could be several options to consider depending on the nature of the business but for the most part the following could be the main ones:

Public Liability: this usually means that cover is in place to protect any third party that may be injured or die as a result of work carried out by the business. It could also protect third party property if it becomes damaged by activities from the business.

Professional Indemnity: this kind of cover could mean a business is protected if a tradesman makes an error in their work or doesn’t provide work that meets quality expectations. This could result in financial losses to the client which they may seek financial recompense for.

Such claims could be extremely large financially in terms of legal bills. This kind of cover could help cover legal costs, compensation and generally keeping the business going in the face of such a claim.

Buildings cover: this could include cover for the building premises of any kind.

Office, business, tools equipment: UK businesses could find this protects their equipment used for business purposes which may be lost, stolen or damaged. Tools may also be protected such as hand tools and the cover could also include if they are kept overnight in a vehicle.

Plant equipment (owned or hired): whether a piece of plant machinery or equipment is hired or owned it could be covered for loss, theft or damage.

Stock: if a tradesman carries stock or keeps their own materials to trade then this could be covered against damage, loss or theft.

Buying the right tradesmen insurance

Finding the right policy for tradesmen insurance might seem difficult or confusing. However, it could be made simpler by having a comparison service do the hard work instead. To compare tradesmen insurance could be much more convenient, less time consuming and potentially less expensive too. Using a comparison doesn’t necessarily mean getting cheap tradesmen insurance but it could lead to savings and could enable a person to tailor the policy to their exact needs.

Going online could be a popular way of getting the best policy and it could mean getting started with just a handful of details to get a range of quotes to choose from. A comparison service could quickly hone in on the insurance companies and brokers that could help to find and secure this kind of specialist insurance for UK tradesmen.

Why is tradesmen insurance necessary?

Not all tradesmen may want to buy insurance before they start work but it could prove to be a worthy investment in the event of any claim. These days it could be considered more risky to be in business without this kind of policy as the general public may be much savvier about what could constitute a claim or be wiser about their rights when it comes to below par workmanship.

For many tradesmen having insurance could be a selling point as it enables clients to know that cover in place if something was to go wrong. For the tradesman too it could give peace of mind that they have some level of protection if a claim were made.

Whilst it may not be legally binding in the UK to have tradesmen insurance is could be necessary for some contracts. It therefore could make all the difference between getting a particular job or being passed over in favour of someone else.

Choosing the best tradesmen insurance policy?

As with many insurance policies there isn’t usually a one size fits all kind of policy which is what makes tradesmen insurance so flexible. It might be tailored to a precise business need or to an individual set of circumstances.

Using a comparison service enables a tradesman to keep quotes in the same place and evaluate them accordingly. This could mean a much more convenient buying process when it comes to making a final decision. Getting all the results together rather than hunting down quotes on an individual basis could be time consuming and frustrating.

Making sure that a person has the right levels of cover in place and that any additional requirements might be taken into account. Having the freedom to compare tradesmen insurance results could free up much needed time leaving the tradesman able to focus on the business of delivering their trade.

As with any policy checking the terms and conditions ahead of any purchase is usually recommended as this could flag up any missing areas of cover or could identify other issues that need addressing ahead of making the final commitment to buy this kind of specialist insurance policy.

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