Tradesman Insurance

Tailored cover for all trades and tradesmen

Running a business means managing physical work, valuable equipment and different working locations, all of which come with their own risks. That's why tradesman insurance can be worthwhile.

It's designed to help cover the costs of claims, damage, or disruption, helping to give you added peace of mind. That way, you can keep your business running smoothly if something unexpected happens. Whatever your trade, Gallagher can provide suitable protection for self-employed professionals, family businesses and SMEs.

Trades we cover

Tradesman insurance from Gallagher is designed for a wide range of skilled professionals and small businesses. Cover can be tailored to suit the way you work and the specific risks of your trade.

We can arrange insurance for:

Builders
Electricians
Plumbers
Carpenters
Decorators
Roofers
Handymen
Gardeners and landscapers

If your trade isn't listed, our team can advise on suitable options. Many occupations can still be covered through flexible insurance designed for tradesmen.

Core tradesman insurance cover

Tradesman insurance brings together different covers under one policy to help protect against the unique risks you can face as a tradesman.

Cover can include:

Public liability cover for tradesmen

Designed for tradesmen who work on-site or who have contact with clients and the general public. Protection in the event of work resulting in injury or property damaged because of your work.

Employers' liability cover

As a tradesman employing staff full-time, on a casual basis or temporarily, employers' liability is legal requirement in the UK. Designed to protect your business against claims made by employees who suffer illness or injury at or as a result of their employment.

Helps to protect the cost of replacing tools and equipment that are stolen, damaged, or vandalised, whether on-site, in transit, or stored overnight. It can also cover hired plant or machinery used for work, providing protection if the equipment is damaged or stolen while in your possession.

For tradesmen who offer advice, designs, or specifications as part of their services, professional indemnity insurance is an essential consideration. Indemnity provides protection if a client alleges that your work caused them financial loss or harm to their reputation.

Contract works insurance is intended to protect the work you're carrying out on-site. It covers you if your project is damaged or destroyed by an insured event, helping you recover the costs to repair or rebuild.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Why choose Gallagher

We understand the pressures of running a trade business and keeping work moving. Breakages, accidents, or theft can happen unexpectedly, risking your valuable tools and ability to work.

As a specialist insurance broker, Gallagher can arrange coverage tailored to your trade and unique risks. Our team helps sole traders and small businesses find cover that helps protect their tools, equipment and income.

We aim to keep the process clear and straightforward, offering cover that adapts as your business grows. Speak to our team to see how we can help support you and your tradesman business.

Helps to cover legal or compensation costs
Cover for mistakes made by you that lead to a claim
Insurance for your tools and equipment
Cover tailored to your business and its activities

Insurance for tradesmen: Frequently asked questions

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation

Is tradesman insurance the same as public liability insurance?

Tradesman insurance is broader than public liability insurance. It often includes public liability as part of a wider policy that can also cover tools, equipment, and business interruption. Public liability insurance on its own helps protect you if a third party is injured or their property is damaged because of your work. While this is an important part of cover for most trades, it doesn't provide the same level of protection as a tradesman policy.

What insurance do I need as a tradesman?

The type of insurance you may need depends on the type of work you do and how your business operates. If you employ staff, you're legally required to have employers' liability insurance. Public liability insurance can also help with costs if someone is injured or their property is damaged because of your work, while professional indemnity cover can help protect you if a client claims that your advice or service caused them financial loss. You may also want to consider tool insurance to help protect the equipment you rely on, and personal accident cover if you're unable to work due to an injury.

How much does tradesman insurance cost?

The cost of tradesman insurance varies because every trade is different so no two policies will be the same. Insurers consider factors such as the type of work you do, number of employees, the value of your tools and equipment, and any previous claims. Working at larger or higher-risk locations can also affect the price of your cover.