Tradesman Insurance

Flexible & tailored cover designed for variety of tradesmen

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What is tradesman insurance?

Flexible insurance for over 900 different trade types

Tradesman insurance contains a package of core and optional insurance covers designed to protect a variety of different trades people for the risks and perils faced in their daily duties. Working as a professional tradesman or trades person, you will be exposed to some very high risk situations throughout your working day. At The Insurance Octopus we have tailored our tradesman insurance policies to protect you from a large array of risks and perils. From handymen to bricklayers; sub contractors to painter decorators, we can provide insurance for over 900 different trades giving you the comprehensive cover you need, at the right price.

Our tradesman insurance has been designed to cater to the risks you deal with daily with covers such as public liability insurance to protect your business from claims from third parties in instances where you or someone working for you has caused bodily harm or property damage. We’ll provide cover for your tools and employees amongst a range of other core and optional add on covers, The Insurance Octopus can provide all this for you, all with the convenience of having your covers under one policy. Speak to us today to get a quote.



What your tradesman insurance policy includes



Contract Works or Contractors All Risks cover
Contract Works or Contractors All Risks cover will insure your construction works plus materials, should they be damaged or stolen. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant.

All Risk Insurance
All Risk Insurance covers your possessions away from your business premises or home such as a laptops or tools/equipment.

Public Liability Insurance for tradesmen
Public Liability insurance cover is available as standard from £1 to £5m, higher limits are available upon request. Should one of your customers or a member of the public be hurt, or their property become damaged as a result of your negligence, public liability insurance for tradesman and contractors will protect you.

Legal Expenses Cover
Legal cover covers you for any cost associated with legal proceedings and/or any court related costs

Tradesman Personal Accident cover
Personal Accident cover will pay you or a member of your staff a weekly amount or lump sum should you or they be injured during the course of employment. The level of payment made will be dependent on the injury.

Third party Property Damage cover
This is an extension of public liability insurance and covers you for any damage you or your employees cause to the clients/third parties property you are working on.

Tools and Equipment cover
This covers you for the cost of replacing any damaged, lost or stolen equipment.


Types of tradesmen we can insure



We can currently arrange cover for over 900 different types of trades, whether you operate as a sole trader or limited company, or other company form. Examples of some trades we insure include: builders, bricklayers, carpenters, cleaners, electricians, gardeners, glaziers, ground workers, kitchen fitters, painter decorators, handymen, joiners, plasterers, plumbers, roofers, scaffolders, tilers, tree surgeons, welders, window cleaners and many more. Speak to our specialists now to arrange cover for your trade business.

From builders to plumbers; gardeners to
carpenters, we’re able to give tradesmen like you the protection you need

Benefits of having Tradesman Insurance

Your tradesman insurance from The Insurance Octopus will include fundamental elements of insurance that a tradesman will need whilst working including public liability insurance, employers liability cover, tool and equipment cover, personal accident insurance and where requested also contractors all risk cover. We can ensure you are able to carry out your tradesmen or contractor jobs, safe in the knowledge that should any issues or accidental damage arise as of a result of your/business actions you will be fully covered.

Tradesman insurance experts

One of our tradesman insurance experts will discuss your business requirements with you and look to compare quotes from major UK insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need. A wide range of Trade insurance options are available covering you for sector specific situations as required. We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote.

Why choose us for your Tradesman Insurance?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.

Fast specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A specialist who knows your industry

We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

Octopus customer rewards

We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

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Tradesman Insurance FAQ's

Get the answers you're looking for

What level of public liability insurance does a tradesman need?

The answer differs from one business to the next, so you need to make the decision based on the following considerations:

  • The answer differs from one business to the next, so you need to make the decision based on the following considerations
  • The typical fiscal value of all stock
  • Legal costs should you need to defend yourself in court

What level of public liability insurance does a tradesman need?

Is tradesman insurance a legal requirement?

No, but it is strongly advised that you take it out because accidents and unexpected problems do arise, and if you aren’t covered then you will find it could cost you a huge amount of money that might devastate your finances. The only insurance that is legally required is employer’s liability insurance, to protect your employees should they be injured or face any other serious problems.

Is tradesman insurance a legal requirement?

Do I need public liability or professional indemnity insurance?

The simple answer is it’s recommended to take out both. Public liability insurance will cover you if your work causes damage or harm to people, structures, objects or the environment. But professional indemnity insurance will cover you for any instance where your advice or instructions lead to harm or damage coming to someone or something. It’s never a good idea to take risks with your business – if you have the most comprehensive package of cover, you won’t find yourself coming unstuck when the unexpected happens.

Do I need public liability or professional indemnity insurance?

What if my trade is not on the list?

The Insurance Octopus can tailor an insurance package to fit your trade if it isn’t listed. We would need to know some details about what your trade involves so that we can assess which types of insurance you need and what the risks are. But we can put together the right package to ensure that your business is fully covered, no matter what trade you are in.

What if my trade is not on the list?

How long does tradesman insurance last?

Our policies at Insurance Octopus last for 12 months, after which you can renew or take out a new policy if there are any changes that need to be made.

How long does tradesman insurance last?

How much does tradesman insurance cost?

This depends entirely on the individual circumstances of your business and which types of cover you choose to take out. Trades with a higher risk of incident tend to have slightly higher premiums, but there are many factors that influence the overall cost of a premium. You can find out how much your tradesman insurance would cost by getting a quote via our online service – just click ‘Get your Quote’ above and you can get started.

How much does tradesman insurance cost?

How it works

Examples of Tradesman Insurance in action

A £2,000,000 Career-Ending Accident

While working up high on scaffolding for his building firm, an employee was unfortunate enough to find himself walking on a section of the scaffolding that was defective. The result was a long fall, and a spinal injury that was so severe the man was confined permanently to a wheelchair and unable to work ever again. The incident was ruled to be preventable, and a compensation payout had to be made through his employer’s liability insurance. That claim ended up costing more than £2,000,000, emphasising the need for a firm to have employer’s liability insurance in place.

A Tradesman's Insurance Lifeline

A building contractor was working on a site when he suffered a freak accident that resulted in him ultimately having to have his lower arm amputated. This injury prevented him from working and ultimately meant he was incapable of ever returning to building work as a career. Fortunately, he had personal accident and sickness insurance in place, which provided him with a lump sum payout that he used to fund his day-to-day life while undergoing training to enter a new line of work. Without the insurance, he would have found himself in a very difficult situation, even if he had been able to return after completing the recovery process.

Other types of Tradesmen Insurance we can provide

Bricklayers Insurance
Builders Insurance
Carpenters and Joiners ...
Carpet Cleaners Insurance
Carpet Fitters Insurance
Cleaners Insurance
Contractors All Risk ...
Contractors Insurance
Demolition Insurance
Electricians Insurance
Flooring Contractor Insurance
Gardeners Insurance
Glaziers Insurance
Groundworker Insurance
Handyman Insurance
Kitchen Fitters Insurance
Painter and Decorators ...
Plant & Machinery ...
Plasterers Insurance
Plumbers Insurance
Roofers Insurance
Scaffolders Insurance
Subcontractor Insurance
Tilers Insurance
Tree Surgeon Insurance
Window Cleaners Insurance

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