Tradesman Insurance

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Insurance for whichever trade you need

At Tradesman Insurance 4u, we offer flexible options for over 350 different trades. Our policies can be customised to meet your specific needs, covering public liability, professional indemnity, employers liability, personal accident, product liability, and additional tool cover..

As a tradesman, you face a variety of risks and perils in your daily work. That's why we've partnered with top UK insurance providers to give you competitive prices and comprehensive coverage. With decades of experience working with tradesmen and construction professionals, we understand the challenges you face and strive to make insurance stress-free.

What is tradesman insurance?

Tradesman insurance is designed to protect your business from high-risk situations. We make it easy for you to get covered with our simple online form, and our helpful advisors are available to discuss your options and help you determine the right level of cover for your business.

Our UK public liability insurance product ranges between £1 million and £10 million indemnity limit, depending on what suits you best. Don't let unexpected events impact your livelihood - get the insurance you need today.

Looking for cheap public liability insurance?

You don't have to compromise on quality when you choose Tradesman Insurance 4U. We offer a range of public liability insurance policies to suit all trades and budgets. Our policies are comprehensive and affordable, complete our online form in 5 simple steps and we'll get straight to work, finding you the best possible quote to suit your needs.

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Making insurance simple

Choose your limit of cover

Whether it's £500,000 or £10,000,000 you need, we've got you covered.

Add additional insurance

From professional indemnity insurance to additional tool cover, add all the cover you need with your public liability insurance in one quote form and we'll tailor your insurance policy to suit your needs.

Safe & secure online applications

Use our simple and secure online form to request your quote.

Stress-free insurance

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Simple quote form

Get a quote with our online form in 6 simple steps. One policy, one set of documents.

UK based contact centre

Our UK based call centres are full of friendly staff who are here to help.

Peace of Mind

With over 30 years of experience, and only offering insurance from UK based A-rated insurers, you're in good hands.

Looking for further information?

Speak to one of our friendly and helpful advisors

02071 185247

Lines open between 8am and 8pm, Monday to Sunday

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Tradesman Insurance FAQs

How do I get a quote?

You can get a quote by filling in our simple to use online form, or by clicking any of the "start quote" buttons throughout our site. Once you've completed that we'll take over and find the best quote to suit you and your business.

If there's anything you're unsure of give us a call on 02071 185247, one of our advisors will be happy to help.

If you'd prefer for us to give you a call, you can request a call back request a callback and we'll give you a call back at a time that suits you.

Offering specialist tradesman insurance policies to construction professionals in the UK, we've got you covered no matter what the scenario.

How much public liability coverage is necessary?

It's highly unlikely you'll find an insurance company who will advise the limit of cover you need, mainly due to liability reasons. Our team of advisors will be happy to discuss your options and help find the policy that suits your needs best, however the amount and type of cover will be your responsibility to decide.

In some cases your job may stipulate the amount of liability cover you require. Many industry organisations and professional bodies could also prove a good source of information and be able to offer advice. At Tradesman Insurance 4u we offer between £500,000 and £10 million in public liability liability limit of cover for Tradesmen.

What is public liability insurance?

Public liability insurance is a cover designed to protect you and your business from various compensation claims. Public liability insurance can protect you and your business from the following:

  • injury compensation: when injury has been caused to a client, member of the public, customer, supplier or passerby by you or your business.
  • propery damage compensation
  • legal fees associated with injury or damage compensation claims

For example, if you are a scaffolder and dropped a pole on a clients foot, or if you're a painter and decorator and were to spill a tin of paint on a clients carpet, you could face a compensation claim.

What is professional indemnity insurance?

Professional indemnity insurance is designed to protect your business from compensation claims made by a client due to mistakes made in your work. It can cover you from the following:

  • professional negligence
  • unintentional breaches of copyright or confidentiality
  • loss of documents or data
  • defamation or libel

It'll often be useful cover if your business provides provides advice or expertise to third parties, it's is a must for any company whose clients might suffer financial loss as a result of your advice, services or designs. For example, if you're an electrical contractor who's design or implementation has caused a malfunction, you may face a compensation claim that having professional indemnity insurance would greatly benefit you.

Do I legally require public liability insurance?

Although not legally required, as most business come into contact with the public one way or another, public liability insurance is normally very useful to have for your business. You'll often find some contracts will require you to have a certain level of public liability insurance before you can start work.

What business takes out public liability insurance?

Public liability insurance is particularly important for construction workers and shop owners, however if your business comes into contact with the general public, it'll be useful for your business.

What insurance does a Tradesman need?

It largely depends on the type of work you do and what type of business you have. As a sole trader working on a building site you may just require public liability insurance to protect you from injury compensation or property damage claims, but if you need insurance in the case of giving advice, to cover your tools or employees you'll require a policy including extra cover. You can find out all you need to know regarding cover types by reading our FAQ's and insurance cover yypes in full.

What insurance does a self employed Tradesman need?

Whether you're an Tradesman operating as a business or on a self-employed basis, you'll need a specialist insurance policy to protect how you earn your living. Often you'll need a policy with a range of cover options such as public liabilty, employer's liability, property damage cover and professional indemnity. If you're unsure of what cover you need one of our advisors will be happy to guide you, just give us a call on 02071 185247.

What types of tradesman liability insurance do you offer?

At Tradesman Insurance 4u, we offer a range of liability insurance policies for tradesmen, including public liability insurance, employers' liability insurance, and professional indemnity insurance. You can also add optional extras like tools cover and personal accident cover to your policy for added protection.

What is the difference between public liability insurance and employers' liability insurance?

Public liability insurance covers third-party property damage or injury that occurs as a result of your business activities, whereas employers' liability insurance provides cover for your employees if they suffer an injury or illness as a result of their work. By law, you're required to have employers' liability insurance if you have employees, but public liability insurance is optional (though highly recommended).

How much public liability insurance do I need as a tradesman?

The amount of public liability insurance you need as a tradesman depends on various factors, including the type of work you do, the level of risk involved, and any contractual requirements you may have. Our policies offer limits of indemnity ranging from £1 million to £10 million, so you can choose the level of cover that best suits your business.

Can I get tradesman insurance if I'm self-employed?

Absolutely! Our self-employed tradesman insurance policies are designed to provide the cover you need, whether you work alone or have a small team. We offer a range of liability insurance policies as well as optional extras like tools cover and personal accident cover, so you can tailor your policy to your specific needs.

Does professional indemnity insurance cover public liability?

Although also providing cover for complensation claims, professional indemnity insurance is a different insurance product, offering protection against different types of claims due to mistakes. Professional indemnity insurance can be a standalone policy in some cases, or an addition to public liability insurance.

Does professional indemnity insurance cover bodily injury?

Professional indemnity insurance does not provide cover against bodily injury, it's purpose is to provide cover against compensation claims due to mistakes in your work. For protection against bodily injury that's it's best to look into public liability insurance.

Is professional indemnity insurance compulsory?

Although not compusory under law, some professions, including solicitors, financial advisors, architects and accountant require it due the rules stipulated by the relevant regulators and professional bodies. Some contracts may also require you have it before you're able to start a job.

Do I need product liability insurance?

Product liability insurance isn't required by law, however if you're a salesperson, manufacturer or supplier, you have a duty of care towards your customers. The Consumer Protection Act requires you to make sure that the goods you supply are safe. If injury or damage is caused to a customer or their property due to your product, you could end up facing legal action.

Do I need employer's liability insurance?

Carrying Employers’ Liability Insurance is a legal requirement for almost every business in the UK that has employees. It's purpose is to insure against liability for injury or disease to your employees arising out of their employment. You must also carry insurance for every temporary or contract worker you employ.

How much is Tradesmen public liability insurance?

Tradesmen public liability insurance policies from Tradesman Insurance 4u start at £59.95 a year, or £5.00 month if you choose to pay via direct debit (applicable if your policy is over £200).

Can I include personal injury insurance?

Tradesman Insurance 4u presently offers a single level for personal injury cover. Compensation can be up to £10,000 for injuries to as much as £20,000 for death. Keep in mind the maximum pay-out which one is entitled to is usually determined by the nature of the injury sustained.

Can I get Tradesmen business insurance with multiple types of insurance in one policy?

Our specialist Tradesmen business insurance policies make it simple for you to cover all your insurance needs with one quote, one policy and one set of documents. Simply select the types of insurance you need in our online form and we'll provide you with a quotation that suits your business best.

Is there a Tradesman Insurance 4u Blog?

Absolutely! Explore our Tradesman Insurance Blog for valuable insights, including tips to boost Scaffolders' job opportunities, the potential impact of Artificial Intelligence (AI) on various professions, and expert insurance advice. Don't miss out! Visit our Tradesman Insurance Blog now.

Can I pay in monthly instalments?

Yes, we offer the option to set up payment via direct debit, so you can spread the cost of your policy throughout the year.

How long will it take to get a quote?

Insurance for Tradesmen can sometimes seem complicated and time consuming to organise. With that in mind we've tried to make it as simple as possible - we aim to get all the information required for your quote in 5 simple steps, then we'll do the hard work for you and find a quote that suits your business best, often within an hour or two.

How can I find out more?

For a much more in depth look at our frequently asked questions, visit our FAQ page.

Tradesman Insurance Claims

We're here to help take the stress out of insurance.

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Here to help

The world of insurance can be daunting, especially when relating to complicated matters such as liability and compensation when a claim is being made against you. Even before an official claim has been made, the team of legal advisors we work with will be there to help you.

In terms of the claim itself, our advisors can guide you through the steps you need to take to prepare and how to further protect yourself.

How to make a claim

To discuss your insurance requirements further, or to make a claim on an existing policy you can call us on:

02071 185247

Lines open between 8am and 8pm, Monday to Sunday

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Business Public Liability Insurance Experts

At Tradesman Insurance 4u, we understand that each trade and business is unique, and that's why we offer customisable insurance options to suit your individual needs. Whether you're a construction company owner, a freelance data analyst, or working from home, our tailored insurance policies provide the protection you need to secure your livelihood. Trust us to curate a comprehensive set of options that suit your business, so you can focus on what you do best. Contact us today for a personalised quote.

Construction Industry Insurance Made Simple

As soon as you decide to go ahead we'll send you full documentation and you'll have access to a of experienced insurance experts who will be on hand to assist you every step of the way. From smaller businesses to large companies, we'll find the right insurance solutions for you. Get latest industry updates from our tradesman blog and keep one step ahead of the competition. If you’re not sure where to start, you can first head to our tradesman insurance FAQ's and proceed to pick out a trade or insurance type that you want to be more informed about.

Tradesman Insurance 4u is dedicated to providing top-notch public liability insurance for tradesmen. We pride ourselves on offering a personalised 5-star service, with a wide range of options to suit your specific needs. Our goal is to make the insurance process simple and straightforward, so you can focus on your business with peace of mind. Get a quote today and experience our commitment to excellent customer service.

  • Specialised in Tradesman Insurance
  • Quote comparisons available from multiple top insurers
  • 30+ years of experience
  • UK-based expert contact centre
  • 24 hour crisis helpline
  • All settled claims paid within 24 hours

What types of insurance do tradesmen need?

Be informed on what types of insurance you’ll need in order to sufficiently prepare yourself and your business to keep it running as smoothly as possible. Here are some important insurance policies you should consider:

  • Public liability insurance – This is among the most important and most common insurance policies for tradesmen. It protects you and your business should a situation arise in which a person (who may not be directly involved or working for your company) has an accident or their property was damaged due to your business operations. Tradesman Insurance 4u offers coverage ranging from 1 million to 10 million pounds.
  • Employers’ liability insurance – as a business owner, you are required by law to also have employers’ liability insurance, which is designed to cover for claims of employees who have experienced accidents, suffered from injuries, or have fallen seriously ill as a direct result of working for your company.
  • Personal accident insurance – covers you against loss of income and incurred medical costs, should you suffer from an accident.
  • Additional Tool Cover Insurance – if you've been the victim of theft or your tools have been damaged or lost, do you have any back up to help keep your business operational? You can easily add tool insurance to your companies public liability insurance policy.
  • Professional indemnity insurance – provides protection for businesses that offer professional advice or services to clients. This type of insurance covers the costs associated with defending against a claim made by a client, as well as any damages awarded as a result of the claim. It can also provide coverage for unintentional breaches of confidentiality, loss of documents or data, and other professional mistakes that could lead to financial loss for clients.

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Types of Cover