Tradesman Insurance

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What is tradesman insurance?

Tradesman insurance usually consists of several covers and can provide financial protection for the policyholder, their tools and equipment, employees and members of the public.

How can Quote Goat help?

Quote Goat helps you quickly and easily compare quotes from a panel of insurance providers. Our free service enables tradespeople to gather quotes from multiple insurance providers through a single form.

What does tradesman insurance cover?

Tradesman insurance is a package that comprises several different types of insurance.

Public Liability insurance

You work with unique risks every day, and sometimes mistakes can happen. Public Liability insurance covers unforeseen accidents resulting in injury to your customers or to the public or damage to their property as you carry out your work.

Examples of situations that Public Liability insurance may cover:

  • injury caused by someone tripping over your tools or a power cable
  • your ladder falling onto a parked car, causing damage
  • burning a hole in a customer’s carpet with soldering equipment

Employer’s Liability insurance

If you employ staff members, whether paid, unpaid or contracted, you must have Employer’s Liability insurance by law. This cover protects you and your employee if they have an accident while working for you.

Products Liability insurance

Liability gets a little more complicated when a product you’ve sold, supplied or installed causes damage to property or injury to a customer or to a member of the public. This type of situation could leave you facing large compensation claims.

Products Liability insurance covers your business for the legal fees you might incur and damages awarded in this type of situation.

Insurance for tools, plant and other equipment

Your tools and equipment are the lifeblood of your business. Without them, small businesses, in particular, may struggle to meet the cost of replacing them quickly, meaning you’re unable to earn a living.

Including tools and equipment cover in your tradesman insurance policy protects them in the event of theft and damage. Depending on the insurance provider, you can usually specify the level of cover you need, up to certain limits.

Machinery and plant equipment owned or hired by your business can also be covered in your policy for damage, theft or vandalism.

Personal Accident and Sickness insurance

Running your own business can be stressful at the best of times. It certainly doesn’t leave time for a small business owner to be off work through injury or sickness, but if it happens, the last thing you need is to worry over how to pay the bills while you recover.

An optional extra for your tradesman insurance policy is personal accident and sickness (also called Critical Illness) cover. This works by paying a lump sum if you’re permanently unable to work following an accident, or weekly payments for temporary disability due to accident or sickness.

Some professions that Tradesman Insurance is suitable for:

  • Builders
  • Scaffolders
  • Electricians
  • Carpenters
  • Plumbers
  • Roofers
  • Painters
  • Bricklayers
  • Tilers
  • Kitchen fitters
  • Labourers
  • Fencing contractors
  • Carpet fitters
  • Architects

Get started on tailoring the best tradesman insurance package for your business when you compare quotes today.

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.