Tradesman Liability


Tradesman Insurance from £63.80 a year1.
Providing you with bespoke policy tailored to your needs.

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Tradesman Insurance

0800 107 4885
Mon – Thurs: 08:30 – 20:00
Fri: 08:30 – 17:30
Sat: 09:00 – 13:00

Tradesman insurance

with £1m Public and Products Liability from £63.80 a year1

YOUR Insurance can help you tailor your tradesman toolkit with covers including:

  • Public and Products Liability up to £10m
  • Employers' liability
  • Tools in Transit
  • Hired in Plant
  • Incidental Cover for Additional Trades
  • Contract Works

What is it difficult to find cover for?

You might need help finding cover if:

  • You work at heights
  • You work in high temperature environments
  • You mix manual and clerical work
  • You have a very high annual turnover
  • You have not been trading for very long
  • There is anything unusual or highly specialised about the work you do

Who we cover

Tradesman insurance with £1m Public and Products Liability from £63.80 a year1

If you are about to renew your policy with your current insurance provider, now is an ideal time to check your other options. Our in-house team will be happy to help you tailor your policy over the phone. Simply call us on 0800 107 4885 to discuss your specific requirements.

Below are just some of the trades we can cover

  • Agricultural Contractors (Ex Contract milkers/milking parlours)
  • Alarm Installers
  • Artexers
  • Bath Resurfacer
  • Blind and Curtain Fitters
  • Boiler Services (Restricted Locations)
  • Bricklayers
  • Carpenters (Ex shuttering and form work)
  • Carpet Fitters
  • Cavity Wall Insulation Contractors
  • Ceiling Installers
  • Cleaners - Carpets/Upholstery (Ex. damage to the item being worked upon)
  • Cleaners-Interior (Industrial)
  • Cleaners-Interior (Non-Industrial)
  • Conservatory Installers (Restricted Locations)
  • Construction Plant Repairers
  • Conveyancer
  • Data cable installers 15 metre height limit (Ex trenching/excavation/groundworking)
  • Drain Repairers - 2 metre depth limit
  • Drain Repairers - 5 metre depth limit
  • Drilling Contractors (borehole, investigation and well)
  • Dry Stone Wall Contractors
  • Ductwork installers - Ex fabricators (Ex Heat, Height limit)
  • Electrical Contractor (Portable Appliance Testing)
  • Electrical Contractors (Non-Industrial)
  • Electronic Engineers ( Inc Hi-Tech )
  • Engraver
  • Fencing Contractor (Including Crash Barriers)
  • Fire Extinguisher Service Engineers (Ex Sprinkler Systems)
  • Fitted Furniture Installers
  • Floral and plant arrangers 5 metre height limit
  • Gardening (Excluding Landscape Gardening and Mechanical Plant)
  • Grave Diggers
  • Gym Equipment Installers
  • High Pressure Water Washing Contractors
  • Hod Carrier
  • Hydraulic Engineers
  • Interior Designer
  • Joiners
  • Locksmith
  • Mastic Sealant Contractors
  • Non-Destructive Testers 15 metre height limit
  • Non-Manual Site Supervisors 15 metre height limit
  • Painter & Decorator (All other work)
  • Painter & Decorator (Non-Industrial)
  • Pest controllers
  • Pipe Fitters
  • Plastering Contractors
  • Potter
  • Pressure Washers - Path/Patio/Driveways only
  • Refrigeration Engineers (Excluding Inefficacy)
  • Refrigeration Engineers (Including Inefficacy)
  • Roller Shutter Door/Window Installation (Ex Automatic Barriers)
  • Roller Shutter Door/Window Installation 5 Metre Height Limit (Ex Automatic Barriers)
  • Shed Erection (Domestic) 5 metre height limit
  • Shelving & Racking Installers 10 metre height limit
  • Shop and Office Fitters
    Shop Equipment Servicing Engineers
  • Steel Reinforcing Rod Installers
  • Street Furniture Installers 5 metre height limit (Ex Traffic Management/Coning Contractors/Street Lighting)
  • Surveyor
  • Swimming Pool Engineers
  • Swimming Pool Installer (Restricted Locations)
  • Timber Decking Contractors
  • Treefellers/Tree Surgeons (Ex Abseiling/Climbing)
  • Vacuum Cleaner Repairer
  • Vehicle Audio & Telephone Installer (Mobile only)
  • Washing Machine Repairer
  • Wheelie Bin Cleaners
  • Window Cleaners - Water Pole Washing Systems Only

Cover options

Cover options

For your tradesman insurance policy, we can offer you the following forms of cover.

  • Public Liability Insurance

    This will cover you against being sued for injuring third parties or causing damage to third party property when you are working.

  • Employers Liability Insurance

    If you have employees working under you, you will need employers’ liability insurance by law and without it you could face a hefty four-figure fine for every day it isn’t in place!

  • Tools in transit

    You might have acquired the tools of your trade slowly over time, but have you considered just how much it would cost to replace them all if they are stolen?

  • Hired in plant

    A plant which you have hired for work on a contract or one that you own can be insured against any theft or malicious damage.

  • Contract works

    This cover protects your building contracts against malicious damage whilst the work is still in progress. It also covers equipment and materials from theft or damage.

Policy benefits

We want to make getting your insurance as straight forward as possible and feel it is important that it doesn’t interrupt the way you work. To help you out with your policy, we can:

  • Spread out your payments: If you would prefer, you can chose to pay your premium in monthly instalments as opposed to the more traditional annual lump sum to help you manage your cash flow.
  • Keep money and time costs down: Your policy documents will be emailed to you and if you have any questions, you can call us for free.
  • Offer you financial confidence: YOUR Insurance is part of Towergate Underwriting Group limited, one of the largest independently owned insurance intermediaries in Europe and we are covered by the FSCS.

1 Tradesman Insurance from £63.80 a year based on a sole trader painter and decorator with £1m public liability cover, trading for 5 years or more, no employees. New business quote correct as of 20 June 2017.