Are you a plumber? Electrician? Builder? Whether as a self-employed professional or running a small business, it’s important to have the right insurance when working as a tradesperson. This shields you from financial risks and legal liabilities, which in turn protects your livelihood and reputation.

In that regard, there’s one essential form of coverage available: tradesman insurance. This guide explains tradesman insurance, what’s included, and how it works to keep your business secure.

What is tradesman insurance?

Tradesman insurance is a policy built to protect self-employed individuals and small businesses against industry-specific risks. It includes a range of covers to protect different trades, including:

• Builder
• Bricklayer
• Electrician
• Carpenter
• Plumber
• Landscaper
• Painter
• Window cleaner

Tradesman insurance covers claims related to property damage, personal injury, and professional negligence. While each trade carries its own hazards, they share the same core risks – and these are covered by tradesman insurance. To qualify for this policy, you simply need to be aged 18 or over and working in a recognised trade on a paid basis

Key types of coverage under tradesman insurance

Public liability insurance protects tradespeople against third-party claims of injury or property damage. For example, if a client trips over your equipment and suffers an injury, this policy covers the associated legal costs and compensation. It is an essential form of cover for anyone who regularly interacts with clients or members of the public, providing financial protection and peace of mind in the event of unexpected incidents.

Employers’ liability insurance is a legal requirement in the UK if you employ staff. It protects your business if an employee suffers a work-related injury or illness. For instance, if a team member is injured while using machinery, this insurance covers medical costs and related expenses, shielding your business from potential legal and financial consequences. If you're not working alone, having this cover in place is mandatory.

Tools insurance is essential for tradespeople who depend on their equipment to get the job done. Theft, loss, or accidental damage can disrupt work and delay projects — but with tools insurance, the cost of repair or replacement is covered. It provides vital financial protection to keep your business moving.

Professional indemnity insurance is vital if your work involves providing advice, planning, or consultancy. It covers claims from clients who suffer financial losses due to errors, negligence, or faulty advice. For example, if a mistake in a design plan results in project delays, this insurance covers legal fees and compensation, preventing you from having to pay these costs personally.

Personal accident insurance provides financial support if you're injured and unable to work. It covers medical bills, loss of income, and rehabilitation expenses. With this policy, you can focus on recovery without the added pressure of lost earnings, ensuring that an injury doesn’t disrupt your livelihood long term.

Contract works insurance protects ongoing construction projects from events like fire, theft, or vandalism. If a job site is damaged partway through a build, this policy covers the cost of repairs or reconstruction. It helps you recover quickly, and avoid absorbing major financial losses.

Example of how tradesman insurance helps

Bricklayers face various risks like accidents, property damage, and injuries. Due to this, coverage must be comprehensive. Bricklayer insurance typically includes public liability insurance to cover claims by third parties for injury or damage. Employers’ liability insurance is essential when hiring workers, while bricklaying insurance should also include protection for tools against theft or damage.

Additionally, personal accident coverage means they maintain financial stability if injured and unable to work. A tailored tradesman insurance policy safeguards bricklayers from unexpected costs, keeps them fully protected, and ensures they’re not overpaying for coverage.