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Trades Insurance

Public liability insurance for all kinds of professional trades starting at less than £54* per year

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Tradesman Saver’s Public Liability Cover for Professional Trades


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Running a trades business comes with a number of unique risks. And perhaps the largest is the possibility of harming your customers or damaging their property. For example, a plumber could leave out a mop that somebody trips over, a handyman could accidentally ruin a wall on the job, or a painter could spill paint on their customer’s carpet. Each of these incidents could lead to expensive compensation claims against your business, and leave you in serious financial trouble.

 

Why public liability insurance is vital

Luckily, public liability insurance would protect your trades business in the above scenarios. While claims of this nature can be extremely costly, public liability cover means we’ll pay the resulting expenses, not you. You can purchase this as part of our trades insurance automatic package, which also covers you for financial loss, legal expenses, and more.

 

Why you need other covers too

Working in the trades industry is risky for you and your employees. It’s not uncommon for somebody to get hurt on the job. For example, anyone could fall from a height, get a repetitive strain injury, or have an accident involving machinery. However, employer’s liability covers your business should a staff member take legal action over any personal or property damage suffered on the job. Meanwhile, personal accident insurance ensures your company doesn’t shoulder the financial burden if you or a member of staff are unable to work because of an injury. Other covers you might want to think about including are tool insurance so you’ll be able to replace any equipment lost, broken or stolen, and professional indemnity insurance to protect your business if a customer sues you over a mistake that’s been made.

Here at Tradesman Saver, we are on hand to discuss all your insurance needs as a professional trader. Get in touch to receive a bespoke trades insurance package that’s perfect for your business.

 

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How our trades insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Trades Insurance: Frequently Asked Questions

Do professional traders need insurance?

Trades insurance helps protect your company against all kinds of unfortunate scenarios, ensuring you needn’t worry about its future should the worst come to worst. Regardless of whether you’re a cleaner, builder or electrician, your job comes with risks and you need good insurance in place to protect your livelihood.

How much trades insurance cover do I need?

The amount of cover you need depends on things like the size of the contracts you work under, how many people you employ and how expensive your equipment is. Those buying tools insurance for sophisticated equipment such as chainsaws will need more cover than those insuring their screwdrivers, for instance.

How much does trades insurance cost?

The cost of trades insurance is determined by factors like how much cover you need, the trade you’re in, and how much you come into contact with the general public. We will ask you to disclose all applicable information when you apply for a free Tradesman Saver quote to get an idea of your premium.

Trades Insurance: Who We Cover

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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