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What is tradesman insurance?

From small to large businesses, professional tradesman understand that one of their most vital tools is tradesman insurance.

Whether you work from your own premises, at clients’ homes or on-site as a contractor, the right policy protects your safety, your tools or equipment and your responsibility to the public and employees.

Quote Goat helps you quickly and easily compare quotes from a range of insurers to find the best tradesman insurance policy.

What does tradesman insurance cover?

Tradesman insurance is a package that contains a number of different types of insurance. Some of them some are essential, such as Public and Products Liability, plus Employer’s Liability if you have staff. Others, such as cover for your tools, plant and equipment or personal accident and sickness, are optional.

Public Liability insurance

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

Examples of situations that could be covered by Public Liability insurance:

  • 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.

If you include tools and equipment in your tradesman insurance policy, they’ll be covered in the event of theft and damage. You can usually specify the level of cover you need, up to certain limits, depending on the insurer.

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 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. Compare quotes today to see how much you can save.