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What is tradesmen insurance?

Tradesmen insurance is a type of insurance coverage designed to protect tradespeople’s business and personal assets, such as plumbers, electricians, carpenters, builders, painters and landscapers. This protects individuals and teams alike.

Tradesmen insurance can help your team in many ways. It protects your tools, materials and team from theft, damage or injury during the course of a job. Tradesman insurance can provide additional peace of mind when dealing with clients, as it ensures that you and your team will be covered should a dispute arise. It’s also beneficial if you employ subcontractors, as you can ensure they are adequately insured.

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Should you have tradesmen insurance?

Anyone who performs manual work on a site should ensure they are adequately covered in the event of an incident. This includes:

  • Builders
  • Carpenters
  • Cleaners
  • Decorators
  • Electricians
  • Gardeners
  • Handymen
  • Pool cleaners
  • Plasterers
  • Plumbers
  •  IT contractors
  • Business and management consultants who visit sites

Tradesman insurance is important in protecting your team and business from financial losses due to accidents, thefts, and other unexpected events. Tradesman insurance can give you peace of mind that you are covered should an unforeseen incident occur on
one of your jobs.

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What isn't included in a tradesman insurance policy?

Your tradesman policy will have some standard exclusions wherever you buy from.
These will include:

  • Equipment and property wear and tear
  • Single high-value items not specifically named on the policy
  • Failure to secure property adequately
  • Irresponsible behaviour that leads to damage or injury.
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What does tradesman insurance cost?

The overall cost of your policy can depend on the type of cover you choose, your business size and turnover, and the level of risk associated with the job. Factors that will affect the premium include:

  1. The type of business:
    • Obviously, working with heavy machinery carries more risk that cleaning a pool.
  2. The required level of cover:
    • If you run a business that relies on a few expensive
      items or has a multimillion-pound turnover, this may be more expensive to cover than a local plumber.
  3. The location of your business:
    • Some regions are more prone to incidents like
      flooding or theft, which can push up the cost of your insurance.
  4. The excess:
    • If you choose to pay an excess, it may reduce the monthly premium, but remember that if something does happen, you will be liable for this amount.

By investing in the right level of tradesmen insurance, you can be sure that your team and business are adequately protected. It's important in protecting your livelihood and ensuring that all parties involved are adequately covered if something unexpected happens.

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The information contained within this webpage is for editorial purposes only and not intended as financial advice.

* Help2Compare.co.uk is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA). Quotezone is a trading style of Seopa Ltd. You can check this out on the financial services register at  https://register.fca.org.uk/. FRN: 313860. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd.

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