Tradesman Insurance

What does Tradesman Insurance do?

Why Compare Tradesman Insurance with Coverzones?
Why is Tradesman Insurance Needed?
Who is a 'Tradesman'?
What Cover does Tradesman Insurance Provide?
Does a Small Business Need Tradesman Insurance?
How Much Tradesman Cover Will My Business Need?

What does Tradesman Insurance do?

Tradesman insurance brings together the different kinds of insurance cover that you might need as a professional tradesperson in one policy.

Typically, tradesman insurance will cover you against any injury caused to your customers or the public or damage caused to their property as a result of your work. It will cover your employees against accident, injury (or heaven forbid) death sustained while working for you. It may also cover you for lost or damaged tools, and cover against trade materials or products letting you down and causing expensive reparations.

Coverzones provides tradesman insurance from different providers so you can decide which one best suits your needs. Get a quote now.

Why Compare Tradesman Insurance with Coverzones?

Coverzones was specifically set-up to make it easy for you to compare business insurance online in a just a few minutes. You put your details in just once, and we then search with a panel of insurers, presenting you with a choice of quotes you can compare in your own time.

With Coverzones you also get a free account that enables you to store all your insurance details. Once you have bought a policy through our secure payment system, you can amend, renew or cancel online, anytime of the day or night. It's fast, simple and best of all; it could save you a serious amount of money.

Why is Tradesman's Insurance Needed?

As a professional tradesperson, it makes sense to protect your business and your customers from mishaps, accidents and failed equipment, products or services. Mistakes do happen and they can be extremely costly.

The under-floor heating that fails after you've installed it; an electrical fire in a customers premises; a lounge flooded; or a carelessly placed bucket that trips a passer-by. All these and more can be insured against with tradesman liability insurance, so if the worst does happen, it doesn't take your business with it.

In addition, some insurance is a legal requirement. If you have employees, even if they are contractors or casual labourers rather than permanent employees, you must have employee liability insurance.

If you bid for contracts with larger firms, councils or other contractors, many will make insurance a condition of awarding the job. Why miss out, when you could arrange cover in a few minutes right here?

Who is a 'Tradesman'?

Tradesman insurance covers all the main building trades as you might expect, and many others.Builders, carpenters, plasterers, painters and decorators, electricians and plumbers & heating engineers will all benefit.

What cover does Tradesman Insurance Provide?

Every policy is different. With Coverzones you can get a quote from more than one provider and then decide which is most relevant to your business.

Typically, tradesman insurance will include product, public and employers liability insurance to provide significant protection should the worst happen, plus additional options: cover for stolen or lost tools, cover for plant and hired-in plant, personal injury and loss or damage to your business premises for example. You can even get cover against costly tax inspections. You should check each individual policy so that you are aware of what is and is not covered for your particular circumstance.

Does a Small Business Need Tradesman Insurance?

Most small businesses and sole traders are hugely vulnerable to unforeseen accidents and mishaps. Tradesman insurance will ensure that you are covered and may also help you to get a better sleep each night.

Tradesman insurance isn't just for the building trades. It's ideal for sole traders and small businesses in anything from gardening and window cleaning to a handyman  and caterer . Why not get a quote now?

How Much Tradesman Cover Will My Business Need?

The amount of cover you need totally depends on your individual business and the likely risks you may encounter. It may also depend on the kind of work you do.

A minimum of £1m in public liability cover is normal. Some customers or clients may insist on a higher level before they will allow you to work with them, or work on their premises. If you have employees a minimum of £5m employers liability cover is required by law.

The amount of cover you might need for tools, plant and other options needs some thought. It's easy to underestimate how valuable your kit is until it has gone missing and you have the bill for replacements. Make sure you have a good think before you settle on what level of tradesman insurance cover is right for you.

Compare tradesman insurance quotes right now.

Below are some example trades that may require tradesman insurance: