Tradesman’s Insurance
Want to save money on your tradesman’s insurance? Let the liability insurance specialists at Coversure compare our markets to find you the tradesman’s public liability insurance quote that’s right for you. Call us on 01482 434343 or request a callback and let our award-winning team help you get the tradesman’s insurance you need.
Tradesman’s Insurance
Backed By ‘Exceptional’ Service
Want to save money on your tradesman’s insurance? Let the liability insurance specialists at Coversure compare our markets to find you the tradesman’s public liability insurance quote that’s right for you.
Whether you’re a builder, a roofer, carpenter, plumber, electrician or a decorator, call us on 01482 434343 or request a callback and let our award-winning team help you get the tradesman’s insurance you need.
Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Tradesman’s Public Liability Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of liability insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback, or get your tradesman’s public liability insurance quote today.
Tradesmen’s Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of tradesmen’s insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.
What is Tradesman’s Public Liability Insurance?
Tradesman’s insurance – tradesman’s public liability insurance, tradesman’s liability insurance, or public liability insurance for tradesmen as it’s also known – protects tradespeople from compensation claims should they accidentally injure a member of the public or damage their property while working. A flexible policy it can be extended to cover tradespeople’s other liabilities such as their employer’s liability insurance, tools insurance, personal injury, plant insurance, or even professional indemnity insurance.
Which professions can Tradesman’s Insurance cover?
Tradesman’s public liability insurance can protect a wide range of professionals and professional firms, including:
Builders
Electricians
Plumbers
Construction firms
Decorators
Gardeners
Maintenance contractors
Tilers
Carpenters
Call us today on 0800 977 6037 and let our award-winning team help you.
What can Tradesman’s Public Liability Insurance cover?
Tradesman’s insurance can be arranged to meet your needs and include important covers such as:
Public liability insurance
Public liability insurance or PL insurance as it’s also known, forms the basis of most tradesman’s insurance policies. It will protect you/your business should a member of the public be accidentally injured or their property damaged because of your work. Most sectors that tradesmen work in often involve operating in public spaces, and as accidents do happen, it makes sense to have PL insurance in place
contract works insurance
Contract works insurance – also called contractors all risks (CAR insurance) cover or JCT Option C – protects you against risks like fire, theft, vandalism, and accidental damage to materials, ensuring your projects are safeguarded from unexpected setbacks
Plant and hired-in plant insurance
Also known as construction plant insurance or construction fleet insurance, plant insurance will cover any plant equipment you are using – be it owned or hired – from loss, accidental damage, and ongoing hire charges for a fixed period
Materials Insurance
Protects materials and stock you use as part of your job from loss or theft
Personal accident insurance
With personal injury insurance in place, you’ll be covered against claims for compensation following an accident
Equipment and tools insurance
Including tools left in the van
business interruption insurance
If something catastrophic happened – such as a fire or flood – and your business was forced to close for a while, could you cope? With no money coming in and bills needing to be paid, would you be able to keep going? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress
Environmental liability
Covers damage to property or injury to the public caused by pollution arising from your work
product liability insurranace
If you use or recommend a product that goes on to cause damage, you can be held liable for compensation even if you didn’t manufacture the product in question
employers’ liability insurance
Employers’ liability insurance – or EL insurance, protects employers from compensation claims from their employees should they be sued for loss or injury at work. If you have people working for you, be they full-time, part-time, or contracted or sub-contracted, then having employers’ liability insurance cover is a legal requirement. Failure to have a policy in place can lead to a £2,500 fine for each day you are without it. In law, the health and safety of your employees is essential, Your policy must cover you for at least £5 million of liability cover – construction firms often have policy limits of £10m or even higher and be through an authorised insurer
Professional indemnity insurance
If you advise customers or provide a service and are required to advise on best practices, you should consider having professional indemnity insurance. Professional indemnity insurance – P.I. insurance – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice
How much Tradesman’s Public Liability Insurance cover do you need?
The amount of public liability insurance you will need on your tradesman’s insurance will depend on things like:
The sort of work you are doing – a roofer’s insurance will be cheaper than for a painter and decorator
Where you are doing it – working in crowded public spaces will mean higher premiums than if you’re working in someone’s house
Who you are working for – employers such as local authorities and charities often require tradespeople to have at least £5m of cover in place
If you’re using hazardous materials/using hazardous processes – painters and decorators using heat guns outside, for example
Construction firms
How much does Tradesman’s Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your tradesman’s insurance quote will depend on things like:
What you do
Where you are working – at height, in public spaces, or on construction sites are all likely to increase your premiums
If you have any employees and want to include employer’s liability insurance
If you want to cover materials and add tools insurance
Your claims history
The level of cover you require for policy elements like public liability insurance
If you want to cover equipment with plant or hired-in plant insurance
The ages, skills, and qualifications of your team
How long you have been trading for
Whether you want to pay monthly or annually – annually will usually prove cheaper
The level of excess you’re willing to pay
How to get cheaper Tradesman’s Insurance
There are some easy ways to potentially reduce the cost of your tradesman’s insurance quotes, including:
Shop around – or better still get an independent insurance broker such as Coversure to do it for you
Invest in health and safety training and risk management to reduce the chances of a claim
Pay annually – paying monthly is good for cashflow but paying annually will cost you less
Increase your excess, the amount you pay in the event of a claim
Talk to your broker about policy limits – paying for £5m of public liability insurance when you only need £1m is money wasted
Store things like tools and equipment securely to prevent theft
How much does Tradesmen’s Insurance cost?
At Coversure, we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your tradesman’s insurance quote will depend on things such as…
What you do
Where you are working
If you have any employees
If you want to cover your tools and/or machinery
Your claims history
The policy limits you’d like
How long you have been tradding for
Whether you want to pay monthly or annually – annually will usually prove cheaper
The level of excess you’re willing to pay
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
No, though most of our tradesmen’s insurance clients have at least £1m of public liability in place
A tradesman’s insurance policy can include important protections such as tradesman’s liability insurance, tools insurance, owned and hired-in plant insurance, contractors all-risks insurance (C.A.R. insurance), and employers’ liability insurance
No, you’ll need a separate van insurance policy, or you can take out commercial combined insurance that can cover all your liabilities, stock, and vehicles on one policy
You can get a tradesman’s liability insurance quote here, call us on 01482 434343 or request a callback
That is dependent on things like who you work for, where and what you are doing. Working at height, in public spaces or for clients such as local authorities may mean you will need £5m or even £10m of cover. To find out how much public liability insurance you need, call 01482 434343 or request a callback, and our team of independent insurance specialists will be happy to help
No, employers’ liability insurance covers your employees, whereas public liability insurance covers you against claims from members of the public for loss or injury
Yes, there are quite a few. Most policies won’t cover damage to property belonging to the policyholder or under the custody or control of the policyholder or the costs associated with remedying defects in land or buildings. Work on gasholders, towers, steeples, bridges, shafts, dams or tunnels, and mines or work involving excavations exceeding three metres in depth. If you’re working at above 10 metres in height you’ll need specialist cover. If you work with explosives, water diversion, quarrying, tunnelling, or work underwater, these may also be excluded from your policy. If these exclusions affect you, don’t worry, we can help you find the specialist cover you need. To get some help, please call 01482 434343 and our team of independent insurance specialists will be happy to help
No, though most of our tradesmen’s insurance clients have at least £1m of public liability in place
A tradesman’s insurance policy can include important protections such as tradesman’s liability insurance, tools insurance, owned and hired-in plant insurance, contractors all-risks insurance (C.A.R. insurance), and employers’ liability insurance
No, you’ll need a separate van insurance policy or you can take out commercial combined insurance that can cover all your liabilities, stock, and vehicles on one policy
You can get a tradesman’s liability insurance quote here, call us on 01482 434343 or request a callback
That is dependent on things like who you work for, where and what you are doing. Working at height, in public spaces or for clients such as local authorities may mean you will need £5m or even £10m of cover. To find out how much public liability insurance you need, call 01482 434343 or request a callback, and our team of independent insurance specialists will be happy to help
Yes, there are quite a few. Most policies won’t cover damage to property belonging to the policyholder or under the custody or control of the policyholder, or the costs associated with remedying defects in land or buildings. Work on gasholders, towers, steeples, bridges, shafts, dams or tunnels, and mines or work involving excavations exceeding three metres in depth. If you’re working at above 10 metres in height you’ll need specialist cover. If you work with explosives, water diversion, quarrying, tunnelling, or work underwater, these may also be excluded from your policy. If these exclusions affect you, don’t worry, we can help you find the specialist cover you need. To get some help, please call 01482 434343, and our team of independent insurance specialists will be happy to help
