Tradesman insurance

Expert insurance for tradesmen, in minutes

We’ve been working with tradesmen and building professionals for years – it goes right back to our roots. These trades need much more than a standard, off-the-shelf insurance policy – they need insurance that’s built around their risks, quirks and priorities.

Compare tradesman insurance quotes

Our online form simplifies everything, letting you build your policy from a set of cover options, then choose from a range of competitive tradesman insurance quotes. All bases covered, without the headache.

Cover from £6.79 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.79 or less across all our trades insured. Based on data from 1 July - 31 December 2020, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

What insurance do tradesmen need?

The insurance you need will depend on your specific type of business and the individual risks it faces, but these are popular covers for tradesmen:

Tradesman public liability insurance

Public liability insurance tends to be an important cover for tradesmen, as it can protect you if you're sued because someone is injured or their property is damaged. Simply Business offers between £1 million and £5 million in cover, to protect you against legal fees and compensation costs.

Other covers

• If you have employees, contractors, casual workers or temporary staff, you’re usually required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
• Personal accident insurance covers you against serious injury, or even death - paying out for the likes of lost income and medical costs.
• Tool insurance is also popular with many tradesmen, as it covers your work tools against loss, damage or theft.
• You can include business buildings cover to protect your business premises, including fixtures and fittings.
• Add business equipment insurance to cover your business contents and office equipment.
• You can also include plant and machinery insurance, which can provide protection for plant and machinery, whether you own it or hire it.
• Contract works insurance can cover the cost of repairing or redoing work on a construction site if it’s damaged or destroyed by an insured event - like fire, flood, storm, vandalism or theft - while it’s in progress.
• Business interruption insurance can help you get back on track, should your business be disrupted by an unexpected event, such as fire or flood.
• Business legal protection insurance can cover your commercial legal expenses and the cost of legal action.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

What type of tradesman are you?

We provide tailored insurance for most types of tradespeople, such as:

• Public liability insurance for builders
• Carpenter insurance
• Electrician insurance
• Plumber insurance

...and much more. Just use our trade selector to start building a tailored tradesman insurance quote.

Why Simply Business?

• Over 800,000 customers (and counting)
• Online quotes, in under 10 minutes
• Claims handled by an award-winning team
• Instant online access to your documents
• Experienced tradesman insurance brokers

Plus, expert insight and connections in our Knowledge Centre, stacked with on the pulse industry updates.

Is your van insured?

By law, all vans in the UK used for business purposes need a commercial van insurance policy.

Find out more