Tradesman Insurance 4u FAQs

What is Tradesman Insurance?

Tradesman Insurance is a flexible package that protects professionals in the trades from the risks of their work. It typically covers public liability insurance, employers’ liability, tools and equipment, business interruption, and more depending on your needs.

Do I need Tradesman Insurance?

If your work involves manual labour, client visits, or public contact, Tradesman Insurance is highly recommended. It protects you against compensation claims, damage, theft, and loss of income due to interruption.

What does a typical policy include?

Tradesman Insurance policies are flexible and built around your specific needs. You can choose the covers that apply to your trade and leave out the rest. Here are the most common types of cover you can include:

• Public Liability: Highly recommended for most trades, this covers compensation claims for injury or property damage caused to third parties.
• Employers’ Liability: A legal requirement if you employ staff. It protects you if an employee suffers injury or illness due to their work for you.
• Tools & Equipment: Covers your tools and equipment against theft, loss, or accidental damage—on site, in transit, or locked overnight in your van.
• Business Interruption: Protects your income if you’re unable to trade following an insured event like a fire, flood, or major damage.
• Contract Works: Also known as Contractors All Risk, this covers work in progress on site (e.g. materials or partially completed jobs) if it’s damaged or destroyed before completion.
• Professional Indemnity: Protects against claims for financial loss if a client suffers due to advice, design work, or professional negligence in your services.

You can choose the level of cover for each section based on your trade and the risks you face. If you're not sure what you need, our advisors are here to help you build a policy that fits your business.

Is Employers’ Liability Insurance mandatory?

Yes—if you employ anyone who’s not immediate family, you must have Employers’ Liability Insurance by law. Cover must be at least £5 million. Non-compliance can result in fines of up to £2,500 per day.

Is Public Liability Insurance required?

It’s not legally required—but it's essential for most trades. You could be held liable for injury or damage caused to the public, clients, or property, and public liability cover protects you from those costly claims.

What optional extras are available?

• Employers' Liability
• Professional Indemnity – for design/advice mistakes
• Contract Works
• Personal Accident
• Additional Tool Cover

Do sole traders need insurance?

Yes—even if you work alone, you face many of the same risks. Public liability, personal accident, and tools cover are particularly important for sole traders.

Can I cover multiple trades?

Absolutely. If you work in more than one trade (e.g., plumbing and tiling), you can list them all in one policy. When completing your quote, simply add all relevant trades. If you need help, call us on 02071 185247.

Can I pay monthly?

Yes—we offer Direct Debit plans so you can spread the cost of your insurance over monthly instalments.

How do I get a quote?

Start by filling in our quick online form, or call us on 02071 185247.

You can also request a callback at a time that suits you. We'll compare options and find a policy tailored to your needs—often within an hour.

Need to make a claim? See our tradesman insurance claims guide. For definitions of general insurance terms, see the BIS-Nationwide insurance glossary.