What is tradesman insurance?
Tradesman insurance is a specialist type of business insurance that provides cover for the risks which professionals in skilled trade industries face. A tailored tradesman insurance policy can be built to include various different covers, including public liability, employers’ liability and tools insurance.
Sometimes things don’t go to plan and an unhappy customer, accidental damage to property, or an injury to you or an employee can mean you can’t work until things are put right. With the right insurance you can get on with your job without the extra headaches. Hiscox business insurance for tradesmen provides cover for the unexpected, covering compensation costs, legal fees, tool repair or replacement and more.
Why you need business insurance as a tradesman
Whether you’re a builder, a plumber or an electrician, as a skilled trades worker, customers rely on your expertise and skill in your field. The jobs you take on are often fraught with hazards. Having the right commercial cover can work as a safety net if things do happen to go wrong. Here are a few examples of where tradesman insurance can help:
Illness and injury
An employee breaking an ankle at a client’s house could mean several plumbing jobs are put on hold. That might see you unable to carry out projects, meaning lost earnings, damage to your reputation as a tradesman and worse, the employee could launch a claim against you. Employer liability insurance makes sure that you’re equipped to cope with the unexpected.
Imagine a release valve connecting a pipe to an immersion heater tank fails and causes significant damage to a customer’s ceiling. It’s definitely not a deliberate action, but it could mean a big compensation claim is heading your way. With public liability cover the claim would be covered, meaning we’d pay the customer’s costs for repairs.
If you use a generator to power tools on site and it’s damaged, it means your work has to stop. Whether it’s a case of repairing or replacing it, time matters and portable tools cover would cover the costs. The sooner your essential equipment is back up and running, the quicker you can get back to business.
If you’re not sure what you need, tell us a little more about your business. We’ll help you to build your quote and explore any other insurance needs.Build my cover
Key types of tradesman insurance
Who is covered?
Tradesman insurance covers professionals in numerous different lines of work. These include, but are not limited to:
- Builders and construction workers
- Painters and decorators
If you'd like to see all the skilled trades professions we cover, visit Trades, Design & Construction Insurances
These are just some of the types of business insurance for Tradesmen that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.Get your quote