Tradesman Saver’s Public Liability Cover for Professional Trades
Our standard cover is:
- Up to £5 million cover for public and products liability
- £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 include 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.
How our trades insurance works
Complete our simple quote form with basic details about your business
Get a Quote
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
Chosen by over 5000 businesses and counting *
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
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.