How much does tradesman insurance cost?
There's no fixed price; cost depends on your trade, the covers you choose and your claims history, so the only accurate figure is a quote based on your details.
What drives the price
Tradesman insurance is priced around your individual risk, so two tradespeople rarely pay the same. Basic public liability can start from just a few pounds a month, but your final premium reflects factors such as:
- Your trade and how risky the work is
- The covers you bundle, such as employers' liability and tools
- Your public liability limit and any excess
- Your turnover, staff numbers and claims history
Because every quote is built from your own details, published averages only tell you so much. The most reliable way to see what you'll pay is to compare tailored quotes from regulated UK brokers and balance the price against the cover you actually get.
Compare tradesman insurance quotes
Answer a few quick questions and compare cover from specialist UK brokers.
Get my quote →Related questions
Why is my quote higher than a colleague's?
Pricing reflects your specific trade, cover levels, turnover and claims, so quotes vary even within the same line of work.
Can I lower my premium?
Sometimes, by adjusting your excess, reviewing cover levels or comparing brokers, but never cut cover you genuinely need to save money.
Is monthly payment more expensive than annual?
Paying monthly can include interest, so it may cost a little more overall; compare both options when you get a quote.