Research and reports
Tree surgeons, roof tilers, and scaffolders are the most at-risk tradespeople in the UK.
This is according to new research from Simply Business, which found that the professions topped the list for injury and accident insurance claims among tradespeople.
Builders, roofers, and landscape gardeners weren’t far behind, while electricians and bricklayers also made an appearance in the top 10.
We analysed injury and accident claims amongst the 100,000 plus tradespeople insured by Simply Business, gathering data for claims made between 2012 and 2016.
The research found that during that period, the number of accidents amongst small businesses and tradespeople had increased by a staggering 41 per cent, although a dip in 2016 suggests that many are exercising more caution in recent times.
When looking specifically at tradespeople, we were able to rank the most dangerous trades based on accident and injury levels.
At Simply Business we have insurance covers all kinds of trades. Popular covers include:
Is your profession not listed? When you run a quote, you can select your trade from over 1,000 options.
Our research also broke down accident and injury claims by location, spotting regional difference across the UK.
When looking at the top 10 most populous cities, we found that Liverpool, Glasgow, and Manchester were the top three cities for workplace accidents.
There was also a number of surprising comparisons between sectors, with tradespeople - whose work is often seen as 'dangerous' - proven to be less at risk than those in traditionally 'safer' professions. For example:
When looking into protection against accidents and injuries, there are a number of insurance products that should be considered.
Public liability insurance can protect you if you cause damage to third party property or injury to a member of the public. Employers' liability insurance protects employees and is often a legal requirement for those with staff.
Meanwhile, personal accident insurance can pay compensation for injuries, and will often pay out even if the accident was outside of work.
Commenting on the research, Simply Business Chief Customer Officer Fiona McSwein said: “For a tradesperson, an accident at work can have serious implications and a long term impact on their livelihood. Being self-employed, an accident or injury can mean time off work, reputational damage, or even a potential court case.
“The physical nature of trades work means there’s always an underlying risk of potential injury. Knowing how important businesses are to people’s livelihoods, we’re especially proud to be insuring tradespeople – an incredibly important sector to the UK economy.”
Lucy McNeill is a Senior Copy and Content Manager at Simply Business. She’s worked in content for 16 years, primarily within the financial services and travel sectors. Lucy’s passionate about supporting women in small business, having led Simply Business’s Empowering Women in Business initiative for two years running. Lucy also specialises in webinars and virtual events.
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