Trades and Professions Insurance

If you’re self-employed or run a small business, make sure your work is protected. Trades and professions insurance covers key liabilities like public and employers’ liability, with optional extras to suit your trade.

Whether you’re on-site or working from home, we’ll help you build the right cover for your business.

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What is trades and professions insurance?

Trades and professions insurance is designed specifically for self-employed individuals and small businesses working across manual, clerical or professional trades. It provides flexible, comprehensive cover tailored to your business activities and unique risks.

Whether you’re an electrician, builder, salon owner or consultant, this insurance package combines essential protections into one policy. Instead of juggling multiple policies, manage one premium and renewal date to keep things simple.

A close up of a laptop and hard hat in the background, in a professional office.

Do I need trades and professions insurance?

By working with clients, the public, subcontractors, or if you handle tools, equipment or sensitive information, you need protection for your business. Trades and professions insurance is recommended for a wide range of businesses, including:

Builders, plumbers and electricians
Carpenters, painters and decorators
Business consultants and advisors

While this type of insurance isn’t a legal requirement, covers like employers’ liability insurance are legally required if you have employees. Many customers will also require proof of public liability or professional indemnity before hiring your services.

Without proper cover, you face significant costs from property damage, liability claims or even equipment theft. Protect your business with trades and professions insurance to confidently handle any unexpected situations.

What does trades and professions insurance cover?

Trades and professions insurance can include:

Public Liability: Covers claims if you accidentally injure a third party or damage their property during your work, with compensation up to £10 million.
Employers’ Liability: Required by law if you employ anyone, covering illness or injury resulting from their work.
Professional Indemnity: Essential if you provide advice, designs, or professional services, protecting against negligence claims.
Tools and Equipment Insurance: Covers your tools against accidental loss, theft, or damage.
Contract Works Cover: Protects you against damage to work-in-progress.
Personal Accident Cover: Provides financial support if you or an employee suffers a serious injury or death due to workplace incidents.
Legal Expenses: Covers costs for legal disputes such as employment or client issues.
Goods in Transit: Protects your goods while they are being transported.
Van Insurance: Covers vehicles used to transport tools, materials and equipment.

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Are we the right commercial insurance broker for you?

Our trades and professions insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free trades and professions insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too lower to fully protect your business. If you’re unsure if your trades and professions insurance is giving you the right protection, we can help.

As part of our free trades and professions insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your business’ needs.

We’ll assess if you have any gaps in cover, overpaying for extra cover you don’t need, meeting legal compliance and if we can find you a better deal – all free of charge.

Simply get in touch for your free trades and professions insurance health check today.

Speak to us about your trades and professions insurance today

Our tailored trades and professions insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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