Tradesman Insurance

We compare quotes from leading insurers

Insurance for skilled trades

Being a tradesperson can be a risky business; working at height on site with power tools can lead to accidents and mishaps when you least expect them.

Usually referred to as tradesman insurance, this cover must be a top priority for any tradesperson to protect customers, employees and others around you. Finding time to compare quotes can be a challenge which is why we make arranging your business insurance simple and hassle-free.

We compare quotes from trusted insurers to find you the right cover for your business. With many years of experience sourcing tradesman insurance for a wide range of trades, we understand the exposures you face.

If you know what covers you need, you can compare tradesman insurance online in a matter of minutes. However, over the phone, our advisors can provide advice along with a professional insurance recommendation tailored to you and your business activities.

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If you know the covers you require, it's quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.

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Tradesman insurance cover in detail

What is tradesman insurance?

Tradesman insurance or tradesperson insurance is typically constructed to cover the wide range of activities that contractors carry out as part of their day-to-day activities. You may be working alone, or hire people to help out; whatever your needs, we can arrange the right tradesman cover for you.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

As a tradesman, it's essential to protect your business when you are out and about. Tradesman public liability insurance can be tailored to cover you against unforeseen events that could leave you and your business exposed to financial loss. Public liability insurance is typically designed to safeguard against injury or accidental damage to third-party property, meaning that if you cause damage to someone's property, or anyone falls over your tools, any compensation awarded against you would be taken care of.

Employers' liability cover

Employers' liability insurance can protect your employees against accidents at work and any damages awarded as a result. The nature of your work can present many hazards, and no matter how careful you may be, accidents do happen, and that’s where we come in.

Personal accident cover

If you’re working alone, you should consider personal accident cover as part of your tradesman insurance. In the event that you injured yourself at work, this cover can provide you with a weekly benefit to tide you over while you are unable to work.

Property covers for tradesmen

We can arrange protection for an office or buildings that you use in conjunction with your business, alongside any business contents, computers and stock that you keep there.

We can also arrange tool insurance to protect your tools, equipment, and plant, tailored to the level that you need. This can include temporary buildings, hired in plant, as well as your own goods and equipment. With varying amounts of cover available, you really can choose the cover that suits you best, without paying for cover you don’t need.

Business interruption insurance

Business interruption cover can also be incorporated to protect your turnover should you suffer damage at your premises that would affect your ability to trade.

Professional indemnity cover

Tradesmen are often required to provide advice or a design services for certain projects. If you provide a professional service, or advice, professional Indemnity insurance should be considered as an essential cover for your business. It can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice which results in a loss to the customer or in the event the work you carried out is deemed to be defective, inadequate or fails to perform. Call us today to discuss adding professional indemnity cover to your tradesman insurance package.

Van insurance

A commercial vehicle or van could be a crucial part of your business; whether it’s for deliveries, tools, or even just getting to and from your work sites on a daily basis, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for tradesmen.

Commercial legal protection

Commercial legal protection will typically cover a number of defined events, from tax and VAT disputes to contract and employment disputes. It can also offer financial protection if someone takes you to court.

Contract works

Contract works is an insurance cover usually for builders and other tradesmen, designed to cover work that’s underway on a site. It can usually pay to repair or replace the work that’s in progress if it’s damaged or destroyed by an insured event for example if there was a fire on-site before you have completed your work.

Tradesman insurance FAQs

Do I need tradesman insurance?

Without the right tradesman insurance in place, you may be personally responsible for any losses that occur, as well as any third-party claims that could be submitted against you.

All of these covers can typically be combined to offer a comprehensive tradesperson insurance package that is tailored to your unique requirements. Our specialist insurance advisors can help you find the cover that’s right for you by offering professional insurance recommendations over the phone based on your requirements. Alternatively, if you know what covers you need, compare prices online from a panel of some of the UK’s leading insurers in a matter of minutes. Protect your business today, don’t risk jeopardising your livelihood.

What covers do tradesmen need?

At Premierline, we offer flexible tradesman insurance and tradesperson insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss.
Employers' liability – to protect your employees against accidents at work and any damages awarded as a result.
Personal accident cover - to tide you over in the event that you injured yourself at work.
Tools & plant - to protect your tools, equipment, and plant.
Buildings cover – to cover for loss or damage to your business premises.
Contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Contract works - designed to cover work that’s underway on a construction site.
Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
Commercial vehicle cover - if you use a vehicle or a van for business.
Professional indemnity - can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice.

More information

How much does tradesman insurance cost?

The cost of tradesman insurance depends on a variety of factors including the size of your business, the jobs that you take on and the types and level of cover required. Get a personalised quote online or contact one of our business insurance specialists to find out how much your tradesman insurance might cost to protect yourself and your business from unforeseen circumstances.

Why choose Premierline to arrange tradesman insurance?

We have many years of experience arranging tradesman liability insurance so we’ve really got to know the covers that you need most. We arrange tradesman insurance for a variety of trades and are here to make sure that you have the covers you need to protect you against the risks you face on a daily basis.

You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a tradesman’s insurance quote today.

What type of tradesmen do Premierline work with?

As a business insurance broker, we can source insurance for a range of different tradesman or tradesperson businesses. Such as:

Plumbers
Painters & decorators
Heating Engineers
Electricians
Gardeners
Cleaners
Carpenters

Find out more about contractors & trades insurance.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Contractor Insurance Experts

We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“A very competitive price. Painless renewal on my public liability insurance. Would recommend Premierline for all business insurance needs.”

Contractor Business owner

Customer since October 2021

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

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Speak to a skilled trades insurance expert

You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a tradesman’s insurance quote today.