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Tradesman Insurance
No matter if you're a sole trader, a family-owned business, or a larger corporation, we can provide tradesman insurance to safeguard you against unforeseen losses, damages, or injuries.
Our tradesman insurance is designed to protect you and your business in the event of an unfortunate incident. Despite your skills and expertise, you encounter risks every day, whether in the workshop or on-site. That's when tradesman insurance becomes essential. Not sure what coverage suits you best? The UK Sure team is ready to provide expert advice and competitive quotes for tradesman insurance.
What is tradesman insurance?
Tradesman Insurance is a specialized product designed to support and protect a variety of trades. It safeguards against unforeseen, damage, or injury, as well as the financial repercussions that may arise.
At UK Sure, we focus on providing tradesman insurance coverage for sole traders, UK family-owned businesses, and SMEs. However, it's essential to understand that tradesman insurance is not a single product but rather a collection of policies that address specific aspects of your work.
Determining the appropriate level of coverage can be challenging. Our team is here to assist you in this process. With our expertise and personalized approach, we'll help you find the tradesman insurance that best meets your.
Types of tradesman we cover
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Bathroom Fitter
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Bedroom Fitter
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Builder
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Carpenter
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Carpet Fitter
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Electrician
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Flooring Contractor
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Garden Designer / Landscape Gardener
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Fencing Contractor
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Gas Fitter
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Glazier
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Handyman
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Groundworker
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Painter and Decorator
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Plasterer
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Plumber
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Tiler
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Locksmith
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Roofer
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Scaffolder
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Heating Engineer
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Home > Business Insurance > Tradesman Insurance
What does tradesman insurance cover?
Our tradesman insurance safeguards you against a variety of associated with your daily work. A robust tradesman insurance policy provides extensive coverage, given the things that can go awry. With our expert guidance, you'll gain clarity on your options, and we can highlight considerations you may not have previously thought about.
Here are some examples of what tradesman insurance can encompass:
Public Liability: Covers legal and compensation costs if a third party is injured or if you damage someone’s property and face legal action.
Tradesman Tool Insurance: Protects against loss, damage, or theft of your work tools.
Legal Expenses: Provides support if your must defend itself in a commercial dispute.
Employers’ Liability Insurance: Offers legal and compensation coverage for claims from employees injured or made ill due to their work.
Plant and Machinery Insurance: Covers damage or theft of owned or hired equipment.
Business Equipment Insurance: Protects office equipment and other business contents.
Stock and Materials: Provides coverage for damages or theft of your inventory.
Personal Accident Insurance: Compensates for loss of income and medical expenses resulting from serious injuries or death due to your work.
Contract Works: Covers costs for repairing or redoing work damaged or destroyed by insured events like floods or fires.
What else might you need?
Directors Insurance: Shields individuals and their assets from claims related to actual or alleged wrongful acts.
Commercial Vehicle Insurance: Necessary if you operate a work vehicle or van.
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Frequently Asked Questions
Question: What is tradesman insurance?
Tradesman insurance is a tailored policy that protects self-employed professionals and contractors from risks like property damage, injuries to third parties, stolen tools, or legal claims.
Question: Who needs tradesman insurance?
Anyone offering trade services such as builders, plumbers, electricians, painters, carpenters, tilers, and other manual workers should consider this cover.
Question: Is tradesman insurance a legal requirement?
While it's not legally required for sole traders, Employers’ Liability Insurance is mandatory if you hire staff. Public liability is highly recommended.
Question: What does tradesman insurance typically cover?
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Public Liability – Covers injury/damage to third parties
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Employers’ Liability – Required if you employ others
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Tool Insurance – Covers theft or damage to your tools
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Contract Works – Protects ongoing construction projects
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Personal Accident – Income support if you're injured and can’t work
Question: Can I get insurance for temporary or part-time work?
Yes. Many insurers offer flexible policies for part-time, subcontractor, or seasonal work.
Question: Are my tools covered in my van overnight?
Not always. You’ll need to check the policy—some insurers require an upgrade or secure storage conditions.
Question: Does it cover subcontractors?
You must declare subcontractors. Some insurers will cover bona fide subcontractors if they have their own insurance.
Do you have a question abouttradesman insurance?
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Related Products
UK Sure Pubs & Restaurant insurance provides financial coverage for risks such as theft, fire, flooding, vandalism, and liability claims.
UK Sure Shop insurance provides financial coverage for risks such as theft, fire, flooding, vandalism, and liability claims.
Essential insurance cover for tradesmen—tools, liability, accidents, and peace.
UK Sure Customer Services
How our customers rate us
They saved me.. thanks
Kobina Ampah
2025-06-12
Beatriz Rodrigues
2025-05-27
They are good professionals! Always ready to help! I was the best choice I made! 🙂
RACHEL SHANNON
2025-05-22
Absolutely 10/10 The service received from start to finish has been fantastic despite the complexity of the insurance required. Customer service received was superb in every way (specially Marco who has been super super helpful in securing the policy) at a great price too.