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Tradesman insurance
Protect your trade with specialised insurance tailored for skilled professionals.
Gain comprehensive coverage for public liability, tools, personal accident, and more.
Safeguard your livelihood with reliable, industry-specific protection.
Helping businesses with insurance for over 70 years
Finding you the correct cover
Get an online quote in 10 minutes, our experts are here to understand the finer detail.
In-house claims team
Here to guide you through the unfortunate event of a claim.
Variety of cover
More than 100 insurers are included in our panel, allowing us to find the correct cover for all of your needs.
Award-winning
Proven broker, we won silver in the Insurance Times award for Commercial Lines Broker Of The Year, 2022.
Search our panel of tradesman insurance specialists to find competitive cover
We work with a range of tradesman insurers from household names to small specialist insurers to find the best policy for your business.
What is tradesman insurance?
Tradesmen insurance is a specialised form of coverage for professionals in skilled trades, such as builders, plumbers, electricians, and carpenters. With tradesmen insurance cover, you gain comprehensive protection against various risks associated with your work. This includes everything from property damage to injury. It gives you the confidence to operate, knowing you’re protected against financial losses due to accidents, damages, or legal claims that arise from daily operations.
With help from Radius, you can choose the right tradesmen liability insurance at the right price, giving you the protection needed against unexpected events.
What's covered by tradesman insurance?
Public liability
If a third party is injured or their property is damaged due to your work, public liability insurance for tradesmen covers potential legal fees and compensation costs.
Employer's liability
Likely to be mandatory for UK businesses with employees. This covers claims from staff who suffer work-related injuries or illnesses, which protects against legal and compensation costs.
Tools and equipment
Delivers coverage for loss, theft, or damage to your essential tools and equipment. As a result, you can quickly replace them and keep your business running smoothly.
Personal accident
Offers financial support if you are injured or unable to work, as detailed in your cover. It supplies a source of income during your recovery period.
Contract works
For ongoing construction projects, it covers against risks such as fire, theft, or vandalism. This means your work is protected from start until completion and handover.
Professional indemnity
Protects against claims of professional negligence or mistakes in your work. If a client claims your work caused them financial loss, it covers legal fees and compensation.
Benefits of insurance for tradesmen
Financial security: This insurance protects against significant financial losses from claims and damages. The result is your business can continue operating without financial setbacks.
Legal compliance: Meets legal requirements for certain types of insurance, including employer’s liability. By avoiding non-compliance, you also avoid potential fines and legal issues that could arise.
Client trust: Being professionally insured instantly enhances your reputation. Clients have greater confidence in your services, and that potentially leads to more work opportunities.
Peace of mind: Gain the ability to focus on your work without constantly worrying about potential claims or accidents. Know you have comprehensive protection in place to handle unforeseen events.
Business continuity: There’s no need to stop. With coverage for essential tools and ongoing projects, your business can continue operations – even if an incident occurs.
Customising tradesman insurance for your needs
Builders. Electricians. Bricklayers. Decorators. Mechanics. Dog groomers. Plumbers. There are various types of tradesmen, each with their own unique work and risks. This is why customisable insurance for tradesmen is important. Fortunately, policies can be tailored to include specific coverages that match up to your trade’s unique requirements.
Extra cover for expensive tools, protections for subcontractors, enhanced public liability limits – whatever’s needed, the ability to customise means you gain the comprehensive protection you need. At Radius, we can assist in this aspect to ensure your business is neither over-insured nor under-protected.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
What insurance do tradesmen need?
Do tradesmen need professional indemnity insurance?
How much is income protection for tradesmen?
How do I get a quote for tradesman insurance?
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Contact us
UK Fuels, Joseph W Burley and Partners and Milestone Insurance Consultants are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a trading name of Joseph W. Burley & Partners (UK) Limited (registered company number 3668469 and FCA reference number 300425) and Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.