Tradesman Insurance

Working as a tradesman means being hands-on, mobile, and exposed to daily risk. Whether you’re self-employed, a subcontractor, or managing a small team, your work can involve tools, machinery, customer properties, and physical labour, all of which present the potential for costly incidents.

Our tailored tradesman insurance policies are designed to protect you, your tools, your clients, and your reputation. We provide flexible cover that fits around your trade, ensuring you're protected wherever the job takes you.
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OR CALL 0330 054 0545
How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Builders & Bricklayers
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Electricians
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Plumbers & Gas Engineers
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Carpenters & Joiners
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Painters & Decorators
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Roofers & Scaffolders
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What Is Tradesman Insurance?

Tradesman insurance is a bespoke form of business insurance built for professionals who carry out skilled manual work. It offers protection against accidents, injuries, legal claims, damage to third-party property, tool theft, and business interruption.

Why Is Insurance Important for Tradesmen?

Tradesmen operate in high-risk environments. A simple mistake, misplaced tool, or workplace accident can lead to injury, legal liability, or thousands in repair costs. Without insurance, you’re personally liable for any claim made against you.

Tradesman business insurance protects against:

  • Legal claims from customers or the public
  • Accidental damage to client property
  • Theft or loss of tools and equipment
  • Injury to staff or subcontractors
  • Contract disputes and legal costs

It’s not only a smart business move, it’s often required by clients, contractors, or trade associations before work begins.

 

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How Much Does Tradesman Insurance Cost?

Your premium will depend on several key factors:

  • The type of trade and risk level
  • Business turnover and number of employees
  • Claims history
  • Value and type of tools or equipment used
  • Whether you work at height or with heat
  • Required cover limits and add-ons

We compare quotes from top UK insurers to provide cover that’s both competitive and tailored to your specific trade.

Common Risks Faced by Tradesmen

Every trade comes with its own set of risks. Some of the most common include:

  • Injuring a member of the public with falling materials
  • Damaging a client’s property during work
  • Theft of tools from vans or job sites
  • Electric shocks or gas leaks
  • Ladder falls and scaffold accidents
  • Vehicle collisions en route to jobs
  • Delays or rework due to contract disputes

A robust insurance policy ensures these setbacks don’t derail your business.

 

Why Choose Insurance Revolution

We tailor your policy so you only pay for what you need
We’re not on comparison sites, we do the searching for you
Access to 20+ leading UK insurers
Flexible cover with monthly payment options and same day protection
UK-based team to support you when you need us most
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OR CALL 0330 054 0545
Public Liability Insurance
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Protects your business if a member of the public suffers injury or property damage as a result of your work. This is the most commonly required cover.
Employers’ Liability Insurance
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In most cases a legal requirement if you employ staff, protecting you against claims from workplace injury or illness
Tools & Equipment Insurance
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Covers theft, loss, or damage of hand tools, power tools, plant, and specialist machinery, whether stored in a van, on-site, or in a lockup.
Contract Works Insurance
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Protects construction work in progress, including labour and materials, if damaged before completion due to fire, vandalism, or weather.
Personal Accident Cover
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Pays out if you're injured and unable to work. Helps cover lost income and medical costs.
Business Vehicle Insurance (optional add-on)
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Covers vans and vehicles used for transporting tools and materials. Includes third-party liability, theft, and accident damage.

FAQs

Tradesman insurance protects self-employed tradespeople and contractors from risks such as injuries, property damage, and theft. It’s essential for builders, electricians, plumbers, joiners, decorators, and more. It can include public liability, tools cover, and personal accident insurance.

Potentially, Subcontractors are typically responsible for their own liability and tool cover, unless specified otherwise by the main contractor.

Yes, you can add tools and equipment cover to your tradesman insurance policy. It protects against theft, loss, or damage on-site, in your van, or at home. Be sure to specify tool values accurately for full replacement.

Yes. If you carry out several types of work (e.g. plumbing and heating), we can create a single policy that reflects your full business activity.

Yes. Public Liability Insurance is strongly recommended and often required by clients for tradespeople working in public or client properties. It protects you from claims if someone is injured or property is damaged due to your work.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Insurance support, compliance guides, and helpful resources for all types of tradespeople across the UK.