Protecting Masters of all Trades

Tradesmen Insurance With Coversure

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Tradesman Insurance Through Coversure: Protecting Masters of all Trades

Whether you’re a butcher, a baker, a candlestick maker – or a plumber, electrician or garden creator for that matter – you need affordable, high-quality tradesman insurance. And through Coversure you can get great value quotes on great cover to suit your business’s needs.

Coversure’s tradesman policies give you the protection you need against the risks you face. Whether you need public liability as you’re working with the public, product liability as you use or recommend products, tools or even all-risks cover, our flexible, highly-competitive schemes can give you the peace of mind you need to continue to safely ply your trade.

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Which Trades Can Tradesmen’s Insurance Protect?


Tradesmen Insurance Coversure

If you provide a physical service to the public or other businesses, chances are you can benefit from a tradesman’s insurance policy. This includes, but is not limited to the following professions:

  • Electricians
  • Builders
  • Gardeners
  • Plumbers
  • Machinists
  • Carpenters
  • Tilers
  • Pipelayers
  • Sheet metal workers
  • Painters and decorators

So, as you can see, this cover can provide tailored insurance for a wide range of businesses. Though the needs of individual trades will obviously differ, Coversure can offer you protection that’s tailored towards your specific requirements.

What Can Tradesman Insurance Cover?

This is obviously dependent on the type of work you do, so to get the protection you need – and to avoid paying for cover you don’t - speak to your local Coversure office and they create a suite of covers to suit your needs. From various kinds of liability, to personal accident and tools cover, our tradesman insurance can include a wide range of options such as:

  • Public liability – a crucial cover for most tradespeople, public liability can insure you against a number of risks that you will face on daily basis. For example, if your work causes a member of the public to become ill or they are injured and they decide to sue you, public liability cover will be there to assist you with any legal action and compensation claims. Whether you are undertaking building works on someone’s house, landscape gardening for the local council or refitting a shop, the threat of an accidental injury to a member of the public is always close at hand. Equally, should someone have their property damaged in the course of your work, you will also be covered against any claims for compensation. Public liability will most likely form the foundation of your tradesman’s policy, regardless of your specific line of work
  • Employers’ liability – if you’re not a sole trader, you’ll be legally required to have employers’ liability cover. Irrespective of whether your staff are temporary, contracted, part-time or full time, if you have employees, you’ll need employers’ liability - it’s the law. It will protect you against legal costs if an employee sues you for unsafe working conditions or if an employee falls ill or is injured due to your business’ actions
  • Tools cover – realistically could you keep working if you lost your tools? And if you were unlucky enough to lose them or have them stolen could you easily afford to replace them in a hurry? This is where tools cover comes in. Insuring your tools against accidental damage or theft means that if the worst did happen, you’d be able to repair or replace them quickly and so incur minimal disruption to your business
  • Personal accident cover – working in a trade usually means being self-employed, and being self-employed means if you can’t work, you can’t earn. So, what would happen if you were to be injured while on the job, what then? Adding personal accident protection to your policy can protect your income, ensuring that even though you can’t work, you can continue to put food on the table
  • Construction plant – if you have heavy plant machinery such as diggers, cherry pickers or even forklifts, be it your own or hired-in, then construction plant cover can protect you against the costs of repair or replacing your equipment should something go wrong. As bills for this type of equipment can easily run into the thousands, the modest premiums of construction plant insurance could be a wise investment
  • Contractor all-risks – if you store materials and have tradespeople that work under contracts, then this policy is for you. It will protect you against costs of theft or damage to your materials, and assist with costs for legal action if a contract is terminated and you’re left to foot an unpaid bill

Why Choose Coversure? Over 97% Customer Satisfaction Score

With over 90 offices across the UK, great value protection is never too far away. With Coversure you get an award-winning combination of high-quality covers, supplied by some of the UK's largest insurers, and dedicated customer service supplied by a local, independent broker. With privileged access to insurers such as Aviva, Covea, RSA, with Coversure you can get the best from the best at a competitive premium. Little wonder then that over 97%* of our customers are either very satisfied or satisfied with our service.

*Ratings based on Coversure's 2016 Customer Survey.

Like Some More Help?

Coversure's offices have years of experience in providing great value tradesmen's insurance. So why not get in touch with your local Coversure office today. They will be more than happy to assist you with finding the cover you need for an affordable premium.

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