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 £1,000,000 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

What insurance does a Tradesman need?

Most Tradesmen start with public liability insurance. If you employ staff, you're legally required to hold employers’ liability insurance. Depending on your work, you may also need cover for tools, personal injury, professional indemnity or contract works.

Do I need professional indemnity insurance?

If your work includes advice, designs, or technical specifications, professional indemnity insurance protects you if a client claims financial loss due to a mistake in your work. It’s particularly useful for trades offering expert guidance.

How much public liability cover do I need?

Cover levels typically range from £1 million to £10 million. The right level depends on the type of work you do and any contractual obligations. We’ll help guide you to the right option during your quote.

Can I get cover if I’m self-employed?

Yes. Whether you're working solo or running a small team, we offer tailored cover for self-employed Tradesmen. You can include tools, personal accident, and other extras as needed.

How much does Tradesmen insurance cost?

Tradesmen public liability insurance starts from £59.95 per year or £5.00 per month via Direct Debit (if your premium is over £200). Final costs depend on the work you do and the cover levels you choose.

How do I get a quote?

Just complete our quick online form or call us on 02071 185247. You can also request a callback. We usually return quotes within 1 hour during business hours.

What does a policy typically include?

Policies are flexible and can be tailored to your needs. You can choose from:

Do I legally need public liability insurance?

It’s not required by law, but it’s strongly recommended. Many clients or contractors require it before allowing you on-site, and it protects against claims made by the public or customers.

Do I need employers’ liability insurance?

Yes, if you employ anyone who’s not a direct family member. It’s a legal requirement with minimum cover of £5 million.

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

Public liability protects against injury or damage claims from third parties. Employers’ liability covers injuries or illness suffered by your staff as a result of their work.

Can I include personal injury insurance?

Yes, personal accident cover is available as an optional extra. You could receive compensation of up to £10,000 for injuries or £20,000 in the event of death, depending on the circumstances.

Can I combine multiple covers in one policy?

Absolutely. Just select the types of cover you need when completing your quote. We’ll bundle everything into one convenient policy.

Can I pay monthly?

Yes—we offer Direct Debit plans to help spread the cost across monthly instalments, available on policies over £200.

Where can I find out more?

Visit our full FAQ page or explore the insurance types section for more information about specific covers.

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
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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