Tradesman insurance
Join nearly a million customers (including 220,000 tradespeople like you) – we offer public liability cover from £4.95
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10% of customers pay the equivalent of £4.95 a month*

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Rated 4.6/5
Based on 39.9K reviews

Claims paid in 24 hours
For 80% of settled claims
Tradesman insurance – why is it important?
Safety net, back-up, lifeline – for tradespeople, insurance stands for many things. From site conditions and rented machinery to employees, legal expenses and third party injuries, a tradesman insurance policy is designed to keep you open for business. Start with public liability insurance, and add specific cover for tools, employees and personal accidents, if you need it.
- tradesman insurance between £1 million and £10 million
- protection from big claims for accidental injury or damage
- UK-based claims team, award-winning and available 24/7
What is tradesman insurance?
This type of insurance policy typically builds around liability insurance, designed to keep you covered against claims for third party accidents and injuries. Policies usually offer between £1 million and £5 million public liability insurance for tradesmen, and you can add cover for tools and plant machinery, plus employers’ liability cover if you need it.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does tradesman insurance cost?
Find out how much you’ll pay by comparing prices for tradespeople insurance from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.95 per month
Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.
Get tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example tradesmen insurance quotes, real prices

£11.66 /month
£116.63 /year
A self-employed builder who carries out repairs and alterations on residential properties in the local area
- 2-3 years’ experience
- Sole trader
- No employees
- Based in Cardiff
Public liability
£1,000,000
Employers’ liability
Not included
Stock
Not included

£425.62 /month
£4,256.24 /year
A small family-run plumbing company that specialises in plumbing, heating and ventilation in residential and commercial locations, sometimes using casual workers
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Liverpool
Public liability
£2,000,000
Employers’ liability
£10,000,000
Stock
£10,000
How we work out example quotes: These examples are real quotes from our online system (created 17/03/2025). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
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Only pay for what you need
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How do insurance claims for tradespeople work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£68 million in claims paid out in 2024
76% of claims were settled in 2024.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.
Example claim
Having tradesman (or all-trade) insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Ian saved more than £53,400
Ian (not his real name) recently fitted a dishwasher, which has leaked into the flat below his customer’s property, causing extensive water damage. The public liability insurance for tradesmen in Ian’s policy covered the repair costs.
Insurance payout
£53,452.68
Covering the cost of third party property damage
Ian’s costs
£100
The excess amount stated in Ian’s policy terms
Chosen by nearly one million small business and landlord customers
We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.
Tradesman insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about tradesperson insurance. You can also check out our business insurance FAQs.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions