Tradesman insurance

Specialist insurance for tradesmen from just £7.50 a month.

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

Our tradesman insurance, offered by Caunce O’Hara (a division of Markel), provides industry-specific cover for a range of self-employed trades professionals including electricians, plumbers, plasterers and joiners.

What is tradesman insurance?

Tradesman insurance is designed to protect you against the unexpected.

It covers you against the legal costs and repercussions you might face if something goes wrong during the course of your work. This could include someone sustaining an injury due to an error you made during the course of your work or a client’s property being accidently damaged while you’re working.

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Why do tradesmen need insurance?

Working in business premises or in customers’ homes to provide specialists services, which often includes the use of expensive and sometimes dangerous equipment, doesn’t come without its risks.

Accidentally damaging a client’s property whilst working there or experiencing tool theft can all have a significant impact on your business. Tradesman insurance can give you the peace of mind that if something goes wrong, you’ll be covered.

What does tradesman insurance cover?

No matter how much experience you have in your trade, accidents can happen when you’re least expecting them. Tradesman insurance covers a variety of situations, including:

Property damage
You’re fitting a kitchen. As you move the kitchen work top parts, ready to begin assembling them, you scratch your client’s pine wood floor. They take legal action against you for the cost of repairing the floor.

Injury
You’re a scaffolder on your first day of a new project. You have your equipment on a public footpath as you work to construct the scaffolding. You take your eye off your equipment for a moment and in that time a member of the public has tripped over your equipment and injured themselves. They make a personal injury claim against you.

Tools and trade materials theft or damage
You park your work van in your drive and head inside. You fall asleep, forgetting to move your tools into the garage. The next morning, you find that your rear van door has been broken into and your tools stolen, preventing you from being able to work the next day.

For more guidance on which types of tradespeople insurance are suitable for your business, try our tradespeople insurance decision tree here.

How to buy tradesman insurance

With their fast and easy online quote form, you can get a tradesmen insurance quote from Caunce O’Hara in minutes. All you need to do is answer a few questions about your business which will allow you to tailor the type of insurance you require to cover your individual needs and provide you with a personalised quote.

From there, you can process your payment and get covered immediately or up to 30 days in advance.

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How much does tradesman insurance cost?

From only £7.50 a month, tradesmen insurance can be purchased from Caunce O’Hara, our tradesman insurance partner.

There are no hidden fees with our insurance and if ever you need to cancel a policy, we won’t charge you a cancellation fee.

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Cover starting at just £7.50 a month

Choose a tradesman insurance policy to suit you

  • Public liability insurance

    Tradesman public liability insurance will cover the cost of defending you if a member of the public is injured during the course of your work, including customers, clients and suppliers. It will also cover you for property damage caused as a result of your work, for example if you spill paint on a customer’s carpet.

    Public liability insurance for self-employed tradesman covers your legal costs as well as any compensation payments due if you are found to be negligent. Depending on the type of work you do, such as if you are working on a contract for a big client, your client may insist on you having tradesman liability insurance in place before you can start work on a contract.

    Limits range from £1 million to £5 million.

  • Employer’s liability insurance

    If you have any employees, whether they are full time, part time or working for you on a temporary basis, employers’ liability insurance is a legal requirement.

    This type of insurance protects against injury or illness claims from employees which have occurred because of their employment at your company. If you employ any staff, employer’s liability insurance is essential.

    Limits range from £5 million to £10 million.

  • Portable equipment insurance (Tools insurance)

    For many tradesmen, tools are essential to complete your job. With portable equipment insurance, (the equivalent of tradesman tool insurance), if your tools are misplaced, stolen or damaged, the cost of replacing the equipment would be covered, helping you to get back to work sooner.

    While your tools might be secure at home in the evening, during the day when working in clients homes, offices or at other client sites, it becomes difficult to ensure that your equipment is always safe.

    If tools are vital to your work, portable equipment insurance can be an important type of cover to consider.

    Limits range from £1,000 to £5,000.

  • Legal expenses insurance

    Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery and personal injury, as well as any award you are required to pay following an employment dispute with an employee.

    If a client takes legal action against you because of a mistake you have made, this insurance can prevent you from having to use your own finances to cover legal expenses.

    The limit of indemnity for legal expenses insurance is £100,000.

  • Cyber and data risks insurance

    If you store any data virtually or use any online systems in the running of your business, you could be at risk of a cyber-attack. Cyber and data risks insurance helps pay financial costs which result from a cyber-attack, including:

    -       Restoring client data and IT equipment

    -       Informing relevant stakeholders of the attack

    -       Meeting ransom demands

    -       Loss of net profits for the client

    This insurance will cover your legal costs and financial penalties that you may be expected to pay in the aftermath of an attack.

    If you store any confidential data on your devices including mobile, tablet or laptop, this cover is worth considering.

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Cover starting at just £7.50 a month

Frequently asked questions

  • I need to arrange tradesman insurance to start work – do you provide proof of cover?

    Yes. We provide a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) as part of the documents that are emailed to you if you purchase your policy with us. If you work on contracts with other businesses, you can present this document to clients as proof that you are insured.

  • What limit of cover should I choose?

    Industry bodies and individual clients (if you work on contracts with businesses rather than individuals) will have different regulatory requirements which may determine the minimum levels of cover you need to begin a contract. Before arranging cover with us, it may be worth checking this.

    If you work in individuals’ homes or for smaller businesses where none of your clients specify the cover you need, or you have never arranged cover before, give some thought to a worst-case scenario to work out the most likely risks you face in your business, and how much it would cost to sort out the issue.

    With our insurance there are a range of cover limits, giving you the flexibility to create the cover that’s right for your business.

  • Why should I choose Markel’s insurance?

    Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.

    We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of £1.09bn in 2020.

    To talk about your insurance requirements and better understand our cover, call us on 0333 242 8215 or get a quick quote online.

  • How do I make a claim?

    We do everything we can to make our claims process as hassle-free and painless as possible. Visit our claims page to find out how to make a claim and read about our award-winning claims service.

  • How are Markel regulated?

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.

Access free legal services for your trades business when you purchase Legal Expenses insurance including:

  • 24hr legal helpline.
  • 800+ DIY legal resources including contracts, policies, forms, and letter templates from Markel’s solicitors.
  • Free legal updates, templates, guidance documents, checklists, and useful links.
  • 460+ straight-forward guides.
  • 350+ links to key resources.
  • Up-to-date information on new legislation and case-law.
  • Live Chat available Monday to Friday 09:00 – 17:00.

Discover more about these services here.

Cover starting at just £7.50 a month