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.
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 specialists
One of our tradesman insurance specialists 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.