Whether you are a plumber, electrician, builder or other tradesman, this kind of insurance could be vital in protecting your livelihood.
We provide tailored insurance packages for all kinds of tradesmen, from builders, plumbers and electricians, to decorators, cleaners, and gardeners, so whether you’re searching for business van insurance, plant insurance, or any other needs, our UK business insurance team is on hand to help.
Comprehensive insurance for tradesmen covers, as a minimum, the legal liability of your business for injury to your employees, members of the public, your customers and damage to your customers’ property arising in the course of your business.
Alongside Employers’ Liability and Public Liability, we can provide:
- Tools and Plant Insurance cover
- Motor Fleet Insurance
- Business Interruption
- Personal Accident
- Professional Indemnity
- Buildings and Content Insurance for your main business premises
- Business Stock.
Tradespeople Insurance can be arranged on an ‘All Risks’ basis, housing all of the insurance covers you require under one single policy. We can ensure you are fully protected, offering our expertise and arranging the most suitable cover for your business needs.
Get in touch
Tradespeople Insurance FAQs
What does Tradespeople Insurance Cover?
The core covers of a tradespeople package are public liability and employers’ liability cover. Public liability insurance covers your legal liabilities towards third parties for bodily injury and property damage, whilst employer’s liability covers your legal liability towards your employees. Other coverages can be added to a tradesman package including legal expenses tools, and plant insurance.
Is Liability Insurance Legally Required?
Employer’s liability cover is legally required if you employ anyone. The definition of employee is wider than you may envisage and includes labour-only subcontractors, volunteers, and interns, as well as standard salaried or waged employees. Whilst public liability insurance is not legally required, it is recommended to get a UK business insurance policy with tradespeople insurance cover for this, and it is increasingly mandated as a condition in contracts.
Will Liability Insurance Cover Me If I Provide Advice To Clients?
If you provide professional advice to clients, you would require professional indemnity insurance, which is a separate cover to public liability. Whilst on rare occasions some tradespeople insurance packages can add professional indemnity cover for an additional fee, we would recommend that anyone giving professional advice arrange a separate professional indemnity policy, which we would be happy to arrange.
About Us
Clarke Dove Insurance Brokers have been providing expert insurance advice on an impartial basis since 1982.
Latest News
See the latest news from Clarke Dove Insurance Brokers and commentary on the Insurance industry.
Claims
Our experienced in-house claims team are here to help and guide you through the claim process.
See what our clients have to say about their experience with us.
People we've helped:
Mr & Mrs Serpell
If you are looking for a broker who goes the extra mile – look no further. Clarke Dove (Insurance Brokers) Ltd exceeded our expectations and accessed a new business market which meant they were able to match the challenging competition.
Mr Carby
I have used Clarke Dove Insurances for 25 years or so on a business basis and personally. I have found them to be very helpful and professional in their work. I can highly recommend them.
S Richardson
Thank you to the Clarke Dove claims team and RSA. The process of my claim was both easy and efficient. I have received the money into my account this morning. Delighted!
Amanda Foster
I cannot express how pleased I am with Clarke Dove and the level of service that was delivered when our two properties were flooded whilst I was away in Egypt. Thank you to everyone concerned, superb work.
Total Insulations
The new gates and fencing were installed at the business premises on the 8th March and they are great. Your help with our claim was invaluable and I thank you.
Steve - Alfreds Brewery
I have had the first batch back and we have deferred the second until later in January. It is probably best to stand down the insurer I think. If the bottling company were to pull out of the arrangement at this point, I imagine that it wouldn’t be worth a claim for the remaining amount. Thank you for your guidance. Your help was influential in how we successfully made the case to the bottling company.
Mrs V Rowlatt
Thanks Kevin, I have had a call from Katie since my email, what awesome service!
Mr Newman
I have used Clarke Dove’s services for over 20 years across their commercial, domestic property and personal motor divisions. Throughout this time they have remained competitive and offered a friendly, personal yet professional service.
