Compare tradesman insurance

Compare tradesman insurance policies that can cover you for liability while you work as a plumber or electrician in a business or as a sole trader.

  • Find tradesman insurance cover by comparing a range of policies
  • Choose the level of cover you want
  • Get a quote in 5 minutes

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How to compare tradesman cover

1

Use our broker service

Our broker partner has a panel of dozens of providers you can compare policies from. By comparing policies, you have a much better chance of getting the cover you need a price you can afford.

2

Enter your details to get quotes

Using accurate information will ensure that you're not over paying for cover and while a cheap tradesman insurance policy might catch your eye it's important to check the terms to ensure that the terms match your business needs.

3

Apply and save

Once you've had a look and found the best tradesman insurance policy for your business simply go apply through your chosen provider.

How to get the best tradesman insurance

The best tradesman policy for your business is the one that gives you the cover you need, at the cheapest price.

The cost of your insurance will depend on:

  • The nature of your business, e.g. if you are an electrician or a plumber

  • How many staff you employ

  • Your annual turnover

  • What cover you need, e.g. for tools and equipment

Use our broker service to get online quotes from as many different insurers as possible, so you can find the policy that is right for you at the best price.

What cover do you need?

This depends on your business circumstances, but you should think about:

  • Public liability: This is the most basic level of cover you need, as it covers your business if you are sued by a third party. It covers injury, illness or death caused by your work, or damage to other people's property.

  • Employers' liability: You legally need this cover if you employ paid or voluntary staff, including labour only subcontractors. You need a minimum cover limit of £5 million, but most insurers automatically cover up to £10 million.

  • Tools and equipment cover: This can protect tools or equipment you own, or hire. For example, if you hire machinery for a project and are responsible for the insurance.

  • Contract works: This covers work you have already started if it is damaged before the contract is complete. For example, you have started an extension on a house that is destroyed by fire. Here is more information about contract works insurance.

If you are unsure what cover your business needs, contact one of the brokers via this comparison. They can advise you what protection you need, and compare policies to recommend one that is right for you.

Here is more about what insurance your business needs

Can you protect your income?

Yes, you can cover income you lose if you are unable to work because of an insured event. For example, your business premises is flooded.

You can also protect your income with:

Here is how to get the right protection if you are self employed

Tradesman insurance FAQs

How to get the best tradesman insurance

The best tradesman policy for your business is the one that gives you the cover you need, at the cheapest price.

The cost of your insurance will depend on:

  • The nature of your business, e.g. if you are an electrician or a plumber

  • How many staff you employ

  • Your annual turnover

  • What cover you need, e.g. for tools and equipment

Use our broker service to get online quotes from as many different insurers as possible, so you can find the policy that is right for you at the best price.

What cover do you need?

This depends on your business circumstances, but you should think about:

  • Public liability: This is the most basic level of cover you need, as it covers your business if you are sued by a third party. It covers injury, illness or death caused by your work, or damage to other people's property.

  • Employers' liability: You legally need this cover if you employ paid or voluntary staff, including labour only subcontractors. You need a minimum cover limit of £5 million, but most insurers automatically cover up to £10 million.

  • Tools and equipment cover: This can protect tools or equipment you own, or hire. For example, if you hire machinery for a project and are responsible for the insurance.

  • Contract works: This covers work you have already started if it is damaged before the contract is complete. For example, you have started an extension on a house that is destroyed by fire. Here is more information about contract works insurance.

If you are unsure what cover your business needs, contact one of the brokers via this comparison. They can advise you what protection you need, and compare policies to recommend one that is right for you.

Here is more about what insurance your business needs

Can you protect your income?

Yes, you can cover income you lose if you are unable to work because of an insured event. For example, your business premises is flooded.

You can also protect your income with:

Here is how to get the right protection if you are self employed

Tradesman insurance FAQs

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Why get business insurance with money.co.uk?

By getting business insurance you could save money on the policy. The best value business insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

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Last updated: 4 March, 2022