Recent Customers Comments

" I completed one simple form on QuoteSearcher and received a number of excellent quotes from a number of different insurers. These were all cheaper than any quotes I had received previously and I ended up saving a bundle! " George Taylor - Cardiff
" QuoteSearcher’s partners provided me with excellent cover for my insurance. I ended up saving a £100 on my previous years premium so I will be definitely coming back to QuoteSearcher next year! " Peter Moore – Basingstoke, Surrey

Tradesman Insurance

Why Use Quotesearcher

  • Only deal with leading UK insurers
  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal

Why Do I Need Tradesman Insurance?

Tradesmen perform all manner of different jobs, from joiners and electricians to plumbers and painters. Some are self-employed, others own their own businesses, and there are those who are employed to work for a bigger company. Whatever the case, it is important to have an adequate tradesmen insurance policy in place.

Tradesman insurance can protect you and your business in a variety of ways, from personal accident insurance to tool insurance, to ensure that in case of any accident or injury, you and your business will be OK.

Our partners provide bespoke tradesman insurance policies, which you can tailor to fit your own specific needs.

What is Tradesman Insurance?

When it comes to any business, the big risk involved is liability, and it is the same for a tradesman. The fact many tradesmen are also self-employed means that they, rather than their employer, can be help personally liable for any damage or injury caused.

We would always recommend any business has at least one form of liability insurance policy in place.

Public liability insurance –  although not a legal requirement, it is advisable to have a public liability insurance in place. This will protect you in the event of a member of the public being injured, or property being damaged, as a result of work you are carrying out, and cover any costs associated with defending or settling a compensation claim.

Employers’ liability insurance – this is a legal requirement if you employee any staff at all, which is not uncommon for a tradesman who will often be accompanied by an assistant or apprentice. Employers’ liability insurance will protect you against any costs associated with a compensation claim being made against you by an employee.

Other Tradesman Insurance Features

Below are some of the most common features people choose to include as a part of their tradesman insurance policy:

Personal accident insurance – some trades are higher risk than others, so you may want to consider personal accident insurance. This will cover you in the event you suffer a serious injury, including your lost income and any medical costs. It will also payout in the event of your death.

Tool insurance – tradesmen rely on the combination of their tools and their knowledge to earn a living. Good quality tools are expensive, and if one of your tools breaks or is stolen whilst working, it can even prevent you from working until it has been repaired or replaced. By buying tool insurance, you are covered against any costs incurred through damage to your tools.

Business equipment insurance – sometimes you have to leave your equipment onsite overnight, and any damage or theft would have a disastrous impact on your ability to work as it can be both costly and difficult to replace. With business equipment insurance, you know that your equipment is protected even when you are not there.

Plant and machinery insurance – due to their size, plant and machinery is often left onsite, and can prove a very attractive target for thieves as heavy plant equipment can easily run into 6 figure sums. This type of equipment is also often rented, meaning you will be liable to repair or replace them. Plant and machinery insurance will protect you against the cost of repairing or replacing any of the equipment.

So if you want to get a quote from our range of expert providers, then make sure you fill out an online quote form today!

Why Use Quotesearcher

  • Only deal with leading UK insurers
  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal
  • QuoteSearcher understands that if you are a tradesman you will spend most of your time out on jobs, which ultimately means that you won’t have much time to spend hours searching for cheap tradesmen insurance policies.  This is why we have created a simple online quote form that only requires essential information and can be filled out in just a few minutes.  Our quote form also includes the option to let our brokers know the best time to contact you, which means that you can fit in finding tradesmen insurance quotes around your schedule!

  • Depending on the size and type of your trade business you will need a certain amount of cover in order to protect you and your income.  This is why our partners can provide tradesmen tool insurance as well as tradesmen liability insurance, which can respectively cover the cost of damages to your tools or compensation if one of your employees or a member of the public is involved in an accident and claim it’s your fault.  When filling out our quote form you can choose the amount of employer liability and public liability required, meaning that if you specialise in a high risk trade service you won’t have to worry about accidents.

  • As with all insurance policies, your tradesmen insurance premiums will be based on the amount of risk you and your company pose.  This is why if you have worked in the industry for a number of years, or you haven’t made a claim for a substantial period of time, you may be able to benefit from lower tradesmen insurance premiums.  In fact, some of our customers have managed to save up to 35% on their tradesmen insurance, which could be why we see many of them returning time after time!  If you want to save money for your business then make sure you try QuoteSearcher for your tradesmen insurance quotes today!