At Tradesman Insurance 4u we offer flexible insurance for over 350 different trades, from scaffolders to boilermakers, roofers to carpet cleaners, whatever your trade, we've got your covered.
Tradesman insurance is designed protect you and your business from the risks perils you face on a daily basis. As a tradesman you'll likely be exposed to many high-risk situations. With that in mind our policies can be customised to suit you your business' needs. We, as a company, have been working with tradesmen and building professionals for decades to give the best service possible.
We aim to take the stress out of insurance by doing the hard work for you, complete our simple online form in 5 simple steps and we'll do the hard work for you, finding you the best possible quote to suit your needs. Liability cover, without the normal stress.
Whether it's public liability, professional indemnity, employers liability, personal accident cover, product liability insurance or additional tool cover, you can tailor your policy however you like a the click of a button. We pride ourselves on the fact the insurance providers we work with some of the best in the UK, offering hugely competitive prices.
Mainly due to liability reasons, you'll find it difficult to find an insurance company who will advise you exactly how much cover you need. The responsibility to take out adequate cover largely falls in your hands as it depends on your business and the work you do, although our helpful advisors will be happy to discuss your options and explain how you can come to a conclusion regarding cost. Our public liability insurance product ranges between £1 million and £10 million indemnity limit, depending on what suits you best.
Whether it's £500,000 or £10,000,000 you need, we've got you covered.
Get a quote with our online form in 6 simple steps. One policy, one set of documents.
Our UK based call centres are full of friendly staff who are here to help.
With over 30 years of experience, and only offering insurance from UK based A-rated insurers, you're in good hands.
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.
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.
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:
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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
For a much more in depth look at our frequently asked questions, visit our FAQ page.
We're here to help take the stress out of insurance.
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.
To discuss your insurance requirements further, or to make a claim on an existing policy you can call us on:02071 185247
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A painter and decorator was finishing a job in a house with a newly laid carpet. They accidently dropped an open tin of gloss with obvious results. The customer claimed the cost of the carpet and the labour to re-fit a new one. The painter and decorator's public liability insurance covered the cost of the claim which included legal expenses and the compensation that was awarded.
A structural engineer was tasked with calculating the amount of steels and lintels required for a commercial project. During the construction process it became apparent that the calculations were wrong and the steel wouldn't hold the weight of the house. The project had to be restarted which resulted in a heavy financial loss and large claims made against the engineer. The professional indemnity policy the engineer had covered the cost of the claim and potentially stopped engineer going out of business.
A scaffolding business had scaffolded a house without securing it properly. In strong winds the scaffolding collapsed onto the next door neighbours house, destroying a large section of the roof. A large claim was made against the business who fortunately had the adequate public liability insurance to cover the claim against them.
A kitchen fitter was fitting some cupboards and accidentally knelt on a clients new electronic oven hub and caused it to crack. The public liability insurance the fitter had meant the claim made for a new hub and the labour to fit it were covered.
A commercial carpet cleaning company were cleaning an office carpet, the heat was too high which shrunk and discoloured the carpet. Having the right tradesman liability policy in place meant the compensation claim made against the business for a new carpet as well as fitting costs were covered.
We care about your business, which is why we prioritise providing a tailored range of insurance options that are specific to your trade. Regardless if you’re the owner of a big construction company or a data analyst for other clients, or if you work in a big office building or even from the confines of your own home, you can rest assured that what we’ll give you is a well curated set of options and insurance policies that protect how you earn your living.
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. You can find all need-to-know information throughout our website
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: