Trades and Contractors Insurance

We cover a broad range of trades including builders, electricians, plumbers, landscapers, bricklayers, tilers, roofers, joiners, gardeners, gas fitters, and many more. If your trade is not listed, contact us, and we'll tailor a policy to fit your needs.

The cost of tradesmen insurance can vary significantly and depends on a variety of factors such as the type of trade, the size of your business, the types of coverage you require, and the level of risk associated with your work. To get an accurate estimate, we recommend getting a personalised quote from one of our insurance experts.

When signing contracts, it's essential to consider liability issues. Ensure your Public and Products Liability insurance is sufficient to cover any damage or injuries that could occur in the course of your work. You should also consider Professional Indemnity insurance if you provide professional advice or services. Additionally, it's important to check if the contract requires specific insurance covers, such as Contract Works insurance, which provides coverage for loss or damage to building works and materials.

Workers compensation insurance typically covers employees for injuries or illnesses arising from their employment. As a sole trader or partner, you generally can't cover yourself under workers compensation insurance. However, you can take out Personal Accident and Illness insurance to provide coverage if you can't work due to an injury or illness. It's important to understand the specific legislation in your state as rules may vary.