Trades insurance
Get insurance for independent tradespeople and trades businesses.
How it works
Getting trades insurance is simple.
Why Tide?
Protect your business quickly and easily – with no unnecessary questions or fuss.
What is trades insurance?
Tradespeople are always dealing with different risks. Whether it involves accidents, spills, injuries, or even theft, there are numerous potential issues that may hinder their work.
This is why trades insurance comes into play. It is designed to safeguard you by offering funds to replace essential equipment, providing cash in case of job-related problems, or covering the expenses of compensation if someone files a lawsuit.
The reassuring aspect is that you can discover trades insurance specifically tailored to your line of work, allowing you to select the types of risks you want to be covered for within that policy.
The types of trades insurance available
Public liability insurance covers damage caused by your business to a third party or their property. A third party is typically anyone not employed by your business.
Professional indemnity insurance covers claims that arise from mistakes or errors in your services.
Employers’ liability insurance covers claims made if an employee is injured (or worse) while working for you. This is a legal requirement for most employers in the UK.
Tools & materials insurance is designed for manual trades and covers tools and materials against theft, fire or damage in a road traffic accident.
The types of trades insurance available
Public liability insurance
Professional indemnity insurance
Employers' liability
Tools & materials insurance
What trades are covered?
Trades insurance offers the flexibility to customise your coverage according to your business requirements.
So, if you solely require builders or electrician's insurance you can opt for that specific protection. On the other hand, if you prefer a more comprehensive range of safeguards, you have the freedom to add them as well.
One indispensable insurance you must have is employer's liability cover, which is a legal requirement if you employ anyone, be it an apprentice, a temporary worker, or a full-time staff member.
If the process of selecting individual insurances feels overwhelming, providers often offer pre-built packages tailored for specific trades, for example:
Builder's insurance
Carpenter's insurance
Electrician insurance
Gardener's insurance
Plumber's insurance
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