Tradesman Insurance

Options to suit a wide range of trades

Whether you’re a sole trader, family-run business or larger company, we can arrange tradesman insurance to help protect you against the financial impact of unexpected loss, damage or injury.

Our tradesman insurance helps protect you and your business for if the worst happens. For all the skill and experience you can draw upon, you still face the same risks each day. You could be in the workshop or out on site – injury and damage can occur anywhere. And that's when tradesman insurance cover comes to the fore. But how do you know what cover is right for you? Well, the team at Gallagher are here to offer specialist advice and competitive tradesman insurance quotes.

What is tradesman insurance?

Tradesman insurance is a dedicated product that supports and covers a wide range of trades. It helps protect against unexpected loss, damage or injury – and the financial impact often associated with them.

At Gallagher, we specialise in providing tradesman insurance cover to the sole traders, UK family-run firms and SMEs. But it's important to know that tradesman insurance isn't one single product. It's the term given to a collection of policies that can cover specific parts of your work.

That means it can be hard to work out just what level of cover you need. To help you find out, our team are is to lend a hand. Using our experience and personal touch, we'll ensure you find the tradesman insurance that suits you. Call 0800 062 2027 and talk to one of our specialists now.

What does tradesman insurance cover?

Our tradesman insurance protects you from a wide range of risks linked to the work you do all day, every day. An adequate tradesman insurance policy should offer you comprehensive protection as there's no shortage of things that could go wrong. With our specialist advice, we'll help you know exactly what's what. And we can also suggest things you might not have thought about.

Here are some examples of what tradesman insurance can include:

Tradesman public liability insurance

It might not be needed by law – but it could prove an essential form of cover to have. With tradesman public liability insurance, you can protect yourself if you have an accident that causes injury to a member of the public or damage to their property.

Such claims can lead to major financial and reputational damage. Even if it is a genuine accident, you're still at risk. Tradesman liability insurance can provide a wide range of cover from legal costs to compensation awards that may come as a result of your work.

Tradesman indemnity insurance

Ever made a mistake or forgotten to do something? In most cases, the outcomes are harmless – though your client might not be impressed. Sometimes, however, it can cause a client significant financial loss. If so, they may wish to make a legal claim against you.

By including professional indemnity insurance as part of your cover, you and your business can have protection for the financial costs following a claim. For many tradesmen, mistakes are rare but this doesn't mean the risk goes away. If nothing else, it can offer peace of mind.

Tradesman tool insurance

Gallagher can provide cover for a range of tools and equipment that are vital to your job. It could be your own plant, hired plant, business equipment or business stock. Our tradesman tool insurance will help you deal with problems with your working essentials due to vandalism, theft or damage.

The above is just a taste of the level of tradesman insurance cover that we can arrange for you. But it isn't restricted to this. We can also ensure you have cover for other critical considerations. From money and income to personal accident and legal expenses, Gallagher has you covered.

Not sure what level of cover you require? Looking to get a tailored tradesman insurance quote? Talk to our team now. You can reach us by calling 0800 062 2027 or getting in touch online.

Why do I need tradesman insurance?

If you're a tradesman and don't have insurance, you'll be taking a risk each day. Of course, we don't want or expect something to go wrong. That's especially the case when you have a lot of skills and experience. But it only takes a split-second for a mistake to be made.

The aim of tradesman insurance is to help protect you in the event an accident caused by you or your business. It's rare – but not impossible. According to Health and Safety Executive data, a total of 81,000 workers in the UK construction sector had a work-related illness/injury in 2019-20¹. There were 40 fatal injuries too, as well as four to members of the public.

Studies show the number of workplace injuries is going down². This is great news. But it doesn't change the fact that tradesman insurance is an important consideration. It's a safety net that helps protect you – and your livelihood – if the worst happens.

Taking out tradesman public liability insurance will help protect you if a third party’s property or a member of the public is harmed while you carry out your job. The same applies if the work is done by your company or contractors you may hire.

1. https://www.hse.gov.uk/statistics/industry/construction.pdf
2. https://www.hse.gov.uk/statistics/causinj/index.htm

Who does Gallagher work with?

At Gallagher, we benefit from wide access to the UK tradesman insurance market. Our panel of insurers works with self-employed tradesmen, as well as small family-run firms. And our customers come from a wide range of trades too.

You could be a sole trader in the building sector. Or you might run a painting and decorating business, or install CCTV and alarm systems. Whatever your trade, we can help with your tradesman insurance, including if you run your business from home.

Get in touch with us today to explore how we can help. Call our team on 0800 062 2027 or ask for your tradesman insurance quote online. We'll make you feel confident about your future.

How much does tradesman insurance cost?

We'd like to give you a straight, matter-of-fact answer to this question. But the truth is that it will depend on several factors. Your line of work and the risks you face each day are two of the key factors that will shape your price. But rest assured we'll do everything we can to give you some of the most competitive tradesman insurance quotes on the market – tailored to your needs.

Why choose Gallagher?

As the insurance broker to more than 1 million UK businesses and individuals, Gallagher goes the extra mile to support sole-trader and small business customers. Our team is assisting tradesmen across a range of professions, helping them to focus on the task in hand with the knowledge they have the appropriate protection in place to safeguard their livelihood.

Our tradesman insurance cover solutions are designed to suit your specific needs in addition to covering a diverse set of trades, we can also offer protection for other considerations including covering the cost of replacing tools and equipment following theft or damage, and maintaining your income in the event of an accident, sickness or injury.

Talk to our team today and arrange tradesman insurance that works for you. We're available to answer your questions and provide you with a tradesman insurance quote. Give us a call on 0800 062 2027 or complete a simple online form and one of our team will be in touch to take things forward.

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.

Tradesman public liability insurance
Cover for mistakes made by you that lead to a claim
Insurance for your tools and equipment – hired or owned
Cover tailored to your business and its activities

Gallagher SME Team

0800 062 2027