Help centre
Clear answers on cover types, legal requirements, FCA regulation, and how to protect your trade, from sole traders to teams with employees.
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.
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.
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:
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.
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.
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.
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.
Yes. 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 01773 810072.
Yes. We offer Direct Debit plans so you can spread the cost of your insurance over monthly instalments, subject to policy terms and minimum premium requirements. Instalments are arranged when you accept your terms, not via an online checkout on this site.
Start by filling in our quick online form, or call us on 01773 810072.
You can also request a callback at a time that suits you. We'll arrange cover options tailored to your needs.
After you submit the form, an advisor reviews your details and contacts you with terms.
Once you are happy with the terms, you accept and pay (card, bank transfer, or direct debit instalments where available). We then place you on cover and email your documents.
Unsure where your quote is? Call 01773 810072 or request a callback.
You pay after we have issued terms, using the payment options in those terms or with an advisor.
Direct debit instalments may be available subject to policy terms and minimum premium requirements.
Policy documents (including your certificate and schedule) are emailed once you are on cover. Your schedule and wording are the source of truth for cover and claims contacts.
Need your documents again? Use Email my documents. Enter the email and surname on your policy schedule and we will resend your policy documents to that address (live policies only). Prefer to speak to us? Call 01773 810072.
Before your policy expires we will contact you about renewal and may ask you to confirm or update your trade details, including any claims or changes to your work.
Once you accept and pay, you stay on cover and receive updated documents by email. Tell us about new trades, employees, or equipment so your renewal stays accurate.
Questions about renewal? Call 01773 810072, use our contact page, or request a callback.
Use the claims contacts on your policy schedule and wording. For a step-by-step overview, see our tradesman insurance claims guide. If you are unsure who to notify, call 01773 810072.
Yes. Tradesman Insurance 4u is a product of C I 4 U GB Nationwide Limited which is authorised and regulated by the Financial Conduct Authority 496879. Registered in England No. 6671640.
Need to make a claim? See our tradesman insurance claims guide. For definitions of general insurance terms, see the BIS-Nationwide insurance glossary.