Tradesman Liability Insurance

ONE-STOP-SHOP FOR YOUR TRADESMAN INSURANCE AND TRADESMAN LIABILITY INSURANCE

Tradesman Liability Insurance

ONE-STOP-SHOP FOR YOUR TRADESMAN INSURANCE AND TRADESMAN LIABILITY INSURANCE

Our Tradesman Insurance

Looking for Tradesman Insurance? Insync can provide business protection for over a hundred different trades. Our specialist tradesman insurance policies include Tradesman Public Liability insurance, Tool cover, and more. Our policies provide financial aid to cover the cost of replacing damaged property, legal costs and compensation payments. 

Tradesman Liability Insurance

Tradesmen Insurance from Insync is a tailored policy for your business. We can arrange Tradesman Liability Insurance, including Public Liability and Employers' Liability cover. Along with optional insurance for your tools, plant and equipment, personal accident and more!

Compare Tradesman Insurance Quotes

Whether you are a Sole Trader, Partnership or Limited Company, buying cover is a breeze with Insync Insurance! Enter some quick details about your business and trade, and our secure online system will compare quotes for tradesman cover from up to 10 of the UK's leading liability insurers.

You can buy your policy online and receive your insurance certificate and policy documents in minutes – quick, simple and affordable!

Need specialist
Tradesman
Insurance advice?

Speak to one of our Tradesman insurance experts, at a time that suits you...

or call us directly on

01200 309 516

TRADESMAN INSURANCE COVER

  • Specialist cover for 100+ contracting trades from Builders, Plumbers, Plasters and Electricians to Cleaners & Roofers

  • Sole traders, partnerships, Limited Companies

  • Cover for full-time employees, subcontractors and temporary employees

  • Public Liability up to £5m Indemnity (higher limits on request)

  • Optional Employers Liability

  • Tools cover available including overnight theft from vehicles

  • Contractors all-risks extension

  • Own or hired-in plant and materials

  • Cover available for high risk trades, specialist jobs or high risk sites

  • Specialist policies for height work with no height limit restrictions

  • Legal Expenses and Personal Accident extensions

Why Insync for Tradesman

  • We compare prices and cover from leading tradesman insurers

  • Instant quotations - cover and policy documents in minutes

  • Flexible cover & monthly payments – just pay for the sections you need

  • Expert advice from liability insurance specialists

  • Personal – Digital servicing AND your own dedicated insurance professional

  • Feefo Platinum Trusted Service Status for our consistently exceptional customer service

FAQs for Tradesman Insurance

What is Tradesman Insurance?

Tradesmen Insurance packages are specially designed with people who work in trades industries in mind. Our packages consider both the general and unique risks that your industry is exposed to. Insurance for Tradespeople can cover you against risks of:

  • Public and Employee injury or accidental death (Public and Employers Liability Insurance)
  • Public or Employee property damage (Public and Employers Liability Insurance)
  • Theft or accidental damage to your essential tools and equipment 
  • Damages to your premises by perils such as fire, theft and flood
  • Loss of income following an insured peril (Business Interruption)
  • The risks associated with working at height
  • Professional negligence from advice or designs you have provided (Professional Indemnity Insurance)
  • Personal injuries that prevent you from being able to work (Personal Accident cover extension)
Do I Need Tradesman Insurance?

While Tradesman Public Liability cover is not compulsory; it should be regarded as essential for any manual trade. Without it, you will be personally liable for any accidents or other losses that may occur, putting your home or other assets at risk. 

If you have any employees, you are required by law to purchase Employers Liability Insurance, or you can face a fine of up to £2,500 per day.

If you sub-contract to a larger firm, you will likely be asked to provide proof of cover before any work commences.

How Much Does Tradesman Insurance Cost?

Prices start from as little as £50 (plus insurance premium tax), but the specific cost of cover depends on some simple rating factors:

  • The size of the business (number of people working manually or the turnover)
  • The type of trade and/or split of work being carried out
  • Required limit of indemnity 
  • Experience and any claims history
How Much Tradesman Liability Cover Do I Need?

There is no simple answer to how much cover you need and the best advice is always to consider your individual circumstances, both in terms of the work you carry out and the premises you work at. Think about the maximum property damage you could cause as well as the risk to the public.

If you are subcontracting to another firm, they will likely specify a minimum level of cover required. Typically this will start from £2m for public liability but can rise to £5m when working on larger projects or for local authorities.

What is Tradesman Public Liability Insurance?

Public Liability covers injuries to third-parties and damage to their property through your business activities.

For example, a member of the public is injured by insecure scaffolding or an employee damages a customer's carpet while working in their house, and they want you to pay for repairs or replacement.

Public Liability covers both the legal expenses and the compensation owed to the claimant.

Sometimes it is a contractual obligation to hold Public Liability. However, it is not currently a legal requirement for businesses to hold this cover.

Do you provide Contractors with all-risk cover?

It is commonplace that a private or public contact will require you to have all-risks cover. This is something that we can arrange with you over the phone quickly easily.

Do you provide Personal Accident Insurance for Tradespeople?

At Insync, we provide cover for many self-employed individuals who would be left in financial trouble should they be left unable to work.

Our Personal Accident cover is split into two key areas:

  1. Capital Benefits providing lump-sum payments for life-changing events such as accidental death, paraplegia, quadriplegia or permanent disablement, as well as permanent loss of limbs, sight, hearing or speech.
  2. Weekly Benefits which will assist in replacing lost income for the period you are unable to work following an accident allowing you to keep the mortgage and rental payments up-to-date. We can also extend cover for sickness subject to underwriter acceptance.
Do you offer Business Interruption Insurance for Tradesmen?

Business Interruption Insurance is an add-on you can purchase as part of your policy. It will cover you for lost income following an insured loss such as a fire, flood, or theft of your equipment. It is available for businesses who own and insure business premises.

What is Tradesman Insurance?

Tradesmen Insurance packages are specially designed with people who work in trades industries in mind. Our packages consider both the general and unique risks that your industry is exposed to. Insurance for Tradespeople can cover you against risks of:

  • Public and Employee injury or accidental death (Public and Employers Liability Insurance)
  • Public or Employee property damage (Public and Employers Liability Insurance)
  • Theft or accidental damage to your essential tools and equipment 
  • Damages to your premises by perils such as fire, theft and flood
  • Loss of income following an insured peril (Business Interruption)
  • The risks associated with working at height
  • Professional negligence from advice or designs you have provided (Professional Indemnity Insurance)
  • Personal injuries that prevent you from being able to work (Personal Accident cover extension)
Do I Need Tradesman Insurance?

While Tradesman Public Liability cover is not compulsory; it should be regarded as essential for any manual trade. Without it, you will be personally liable for any accidents or other losses that may occur, putting your home or other assets at risk. 

If you have any employees, you are required by law to purchase Employers Liability Insurance, or you can face a fine of up to £2,500 per day.

If you sub-contract to a larger firm, you will likely be asked to provide proof of cover before any work commences.

How Much Does Tradesman Insurance Cost?

Prices start from as little as £50 (plus insurance premium tax), but the specific cost of cover depends on some simple rating factors:

  • The size of the business (number of people working manually or the turnover)
  • The type of trade and/or split of work being carried out
  • Required limit of indemnity 
  • Experience and any claims history
How Much Tradesman Liability Cover Do I Need?

There is no simple answer to how much cover you need and the best advice is always to consider your individual circumstances, both in terms of the work you carry out and the premises you work at. Think about the maximum property damage you could cause as well as the risk to the public.

If you are subcontracting to another firm, they will likely specify a minimum level of cover required. Typically this will start from £2m for public liability but can rise to £5m when working on larger projects or for local authorities.

What is Tradesman Public Liability Insurance?

Public Liability covers injuries to third-parties and damage to their property through your business activities.

For example, a member of the public is injured by insecure scaffolding or an employee damages a customer's carpet while working in their house, and they want you to pay for repairs or replacement.

Public Liability covers both the legal expenses and the compensation owed to the claimant.

Sometimes it is a contractual obligation to hold Public Liability. However, it is not currently a legal requirement for businesses to hold this cover.

Do you provide Contractors with all-risk cover?

It is commonplace that a private or public contact will require you to have all-risks cover. This is something that we can arrange with you over the phone quickly easily.

Do you provide Personal Accident Insurance for Tradespeople?

At Insync, we provide cover for many self-employed individuals who would be left in financial trouble should they be left unable to work.

Our Personal Accident cover is split into two key areas:

  1. Capital Benefits providing lump-sum payments for life-changing events such as accidental death, paraplegia, quadriplegia or permanent disablement, as well as permanent loss of limbs, sight, hearing or speech.
  2. Weekly Benefits which will assist in replacing lost income for the period you are unable to work following an accident allowing you to keep the mortgage and rental payments up-to-date. We can also extend cover for sickness subject to underwriter acceptance.
Do you offer Business Interruption Insurance for Tradesmen?

Business Interruption Insurance is an add-on you can purchase as part of your policy. It will cover you for lost income following an insured loss such as a fire, flood, or theft of your equipment. It is available for businesses who own and insure business premises.

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Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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© Insync Insurance Solutions Ltd 2021 All rights reserved. Insync Insurance Solutions Ltd is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk | Privacy Notice | Terms Of Business