No matter the size of your business, working as a tradesman comes with its fair share of risks. Whether you’re a sole trader, small business owner, or managing a large contracting firm, having the right insurance in place is essential to safeguard your livelihood. From accidental damage to legal claims, the right cover ensures you can keep working without financial setbacks.
At CoverTrade Insurance Services, we provide tailored Tradesman Insurance solutions, including Public Liability Insurance, Employers’ Liability Insurance, Contractors’ Combined Insurance, and Contract Works Insurance. Whether you’re working at height, using heat, or handling complex contracts, we’ve got you covered.
Why Do Tradesmen Need Insurance?
Tradesmen face daily hazards that could lead to accidents, property damage, or even legal claims. Without insurance, you could be left paying out of pocket for compensation claims, repairs, or lost income. Here’s why tradesman insurance is a must-have:
Protects against third-party injury or property damage claims.
Covers employees if they suffer an injury at work.
Safeguards your tools, materials, and work-in-progress.
Provides financial security if a project runs into unexpected issues.
What’s Included in Tradesman Insurance?
We offer comprehensive cover that can be customised to suit both small and large businesses in the construction and trade industries.
1. Public Liability Insurance
Public Liability Insurance protects you if a member of the public is injured, or their property is damaged, due to your work. For example, if you’re a plumber and accidentally flood a client’s home, or a scaffold collapses and damages a vehicle, this cover will help with compensation claims and legal costs.
2. Employers’ Liability Insurance
If you have employees, Employers’ Liability Insurance is a legal requirement in the UK. It covers claims from staff who are injured or become ill due to work conditions. Whether you run a small team of electricians or a large construction firm, this cover ensures you’re protected against employee compensation claims.
3. Contractors’ Combined Insurance
Contractors’ Combined Insurance is ideal for businesses managing larger projects or multiple risks. It typically includes:
Public and Employers’ Liability
Contract Works
Tools and Equipment Cover
Own and Hired-in Plant Cover
This type of policy is particularly beneficial for general contractors, roofing companies, and larger trade firms handling multiple projects simultaneously.
4. Contract Works Insurance
Also known as Contractors’ All Risks Insurance, this covers work in progress on a construction site. If a fire, flood, theft, or vandalism damages a project before it’s completed, Contract Works Insurance ensures you don’t have to cover the losses out of pocket.
Specialist Cover for High-Risk Trades
Some trades involve high-risk work, such as heatwork (e.g. welding, soldering, roofing torches) and working at height. These tasks carry additional risks, so it’s important to have the right cover in place. Our policies can include specialist protection for roofers, scaffolders, welders, and other high-risk trades to ensure you’re fully protected.
Who Needs Tradesman Insurance?
We cover a wide range of trades, including but not limited to:
Builders & Contractors
Electricians & Plumbers
Carpenters & Joiners
Roofers & Scaffolders
Painters & Decorators
Landscapers & Groundworkers
HVAC & Gas Engineers
Whether you’re self-employed, run a small team, or manage a large-scale contracting business, we can tailor a policy that fits your needs.
Why Choose CoverTrade Insurance Services?
Tailored Cover: We understand that no two businesses are the same, so we offer policies that match your specific needs.
Competitive Pricing: We work with top UK insurers to secure the best rates for tradesmen and contractors.
Expert Advice: Our team has extensive experience in commercial insurance, ensuring you get the right protection without paying for unnecessary extras.
Get a Free Quote Today
Don’t leave your business exposed to unnecessary risks. Whether you need Public Liability, Employers’ Liability, Contractors’ Combined Insurance, or Contract Works Insurance, CoverTrade Insurance Services has you covered.
Contact us today for a free quote and expert advice on the best insurance for your trade.
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