What does tradesman insurance cover?
Tradesman insurance is a bundle of covers built around your trade, typically combining public liability, employers' liability (if you have staff) and tools cover into one policy.
What's usually included
Rather than a single product, tradesman insurance lets you build a policy from the covers that match your work. Most tradespeople combine:
- Public liability for injury or property damage you cause to clients or the public
- Employers' liability if you employ anyone, including casual or labour-only staff
- Tools cover for theft of, or damage to, your equipment
You can often add professional indemnity, contract works cover and personal accident too. The right mix depends on your trade, whether you work alone and the contracts you take on, so it pays to compare quotes side by side.
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Is tradesman insurance one policy or several?
It's usually a single policy made up of several covers you select, so you only pay for what your trade actually needs.
Does it cover work I've already finished?
Many policies include products or completed-works liability, but check the wording as cover varies between brokers.
Can I cover more than one trade?
Yes, multi-trade cover is common, though you must declare every activity you carry out so claims aren't refused.