Tradesman Insurance

Tradesman insurance provides cover for businesses in the trade industry, including electricians, plumbers, roofers, and more. Many of these roles have the potential to be dangerous if carried out incorrectly, which is where tradesman insurance comes in.

Take an electrician, for example. They often have to climb up high to reach electricity poles and wires, which could result in a nasty fall, while they also experience burns, electric shocks and unsafe wiring. This is just one trade example. Tradesman insurance can protect all manner of traders, from bricklayers to plumbers, and ensure they continue working in a happy and safe environment.

At Brisco Business we work with people from all walks of life, helping them to find the right insurance policy they need. Whether you’re looking to protect your equipment against theft, cover any damages, or fight a compensation claim brought against you, our quick quote system allows you to find the comprehensive policy you need to protect your livelihood. 

Compare quotes for tradesman’s insurance along with many other types of business insurance and find a policy with covers to meet your needs.

Compare quotes with us today to help you find the best tradesman insurance policy for you.

The amount of tradesman insurance you need depends on the work carried out and the risks involved. Some professions are less riskier than others, and as a result, only require basic insurance. We recommend assessing the scale of your work and the dangers when looking for the right policy. However, most insurers offer between £1 million and £10 million for public liability insurance.

While you are legally required to have employer’s liability insurance if you hire any staff, other types of cover are optional. Goods in transit insurance is recommended for those transporting stock, protecting you should you get into a road accident or have your goods stolen, for example. Personal accident cover may be crucial if you work in a particularly dangerous role. As you can tell, there’s not one standard policy for every tradesperson, it simply comes down to your business needs.

There are many options to help you create the most beneficial insurance package for your business, ensuring all potential risks are protected.

Public Liability

Forming the core of any tradesman insurance is public liability — every tradesman needs it. This covers you in the instance that a client or member of the public has sustained an injury, or property has been damaged due to your work activities. Public liability insurance pays the cost of any compensation or legal fees that occur if a claim is made against you, meaning you don’t have to take the financial hit yourself.

Additional cover

We cater to a wide variety of trades in the industry, and depending on the nature of your trade, we provide many other covers which might benefit your business, such as tool insurance. Your tools are a very important aspect of your working day, so ensuring these are protected in your insurance policy is essential, otherwise you will have to replace any lost or damaged gear yourself. We also provide hired in-plant insurance for tradesmen working onsite using hired machinery, taking the costs of replacing or repairing any equipment you hire. While contract work cover is for builders, tradesmen and any contractors protecting you if any damage occurs onsite.