Other Tradesman Insurance

Affordable Insurance Cover for Contractors Working Across
a Wide Range of Trades

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The Right Tools to do the Job

When working as a tradesman you need the right tools in your toolbox – including appropriate tradesman liability insurance. Whether you specialise in one trade, or work across a number of trades, you need tradespersons insurance cover that provides total protection against the unexpected – cover that’s designed for you.

At NICEIC and ELECSA Insurance Services we provide comprehensive, affordable tradesman insurance cover for contractors – including air conditioning and ventilation contractors, insulation contractors, and glazing contractors.

Our Tradespeople Insurance

You probably haven’t got the time to spend searching online for affordable tradesman insurance cover. Let us do the hard work for you – we’ll ask you some questions to assess your requirements, then we’ll search our specialist UK based insurers for the cover you’re after.

The main tradesman liability insurance features can be extended by adding a range of optional extras, to create bespoke protection. We’ll guide and advise you along the way, so you can be sure you’ll get the cover that’s right for you.

We Offer the Following*1&2

  • Public liability cover limits – £1 million, £2 million or £5 million available.

  • Employers liability cover of £10 million.

     

  • Cover for loss or damage to tools and office equipment.

  • Goods in transit.

     

  • Cover for contract works.

  • Cover for your own plant and hired in plant.

  • Cover for temporary employees up to 50 days per year.

  • Free 24 hour business legal helpline.

The Power Behind Your Business

The power to protect you and your business, leaving you to focus on your customers, safe in the knowledge you have the essential insurance you require.

You can rely on our team to take the hard work out of finding the tradesperson insurance you need including any essential tradesman liability insurance. We’ll take the time to search for the cover on your behalf to make it quicker and easier for you.

By using specialist insurers we aim to provide you with a range of cover options and prices, so you can make an informed choice of what’s best for you. We’ll guide you through the quick and easy process, and provide advice and recommendations should you need it.

Cover is available for tradesmen working in most domestic, commercial, and industrial premises in Great Britain and Northern Ireland, the Channel Islands, and the Isle of Man. Cover is also provided for temporary work in the EU.

Request a callback 01133960346

Why Choose Us for Tradesman Insurance?

NICEIC and ELECSA Insurance Services is part of Marsh Commercial, an award winning expert in insurance and risk management. We currently provide more than 35,000 business insurance policies for over 21,000 customers across the UK, so it’s safe to say we have the experience and expertise to help our business insurance customers obtain the cover they’re after, at the right price.

We’re part of a global leader in insurance broking and risk management. This enables us to negotiate and agree with insurers the best possible price and cover we can, for the benefit of our customers.

The support we provide doesn’t stop there. We’ll support you throughout the lifetime of your cover with us – including a dedicated claims advocacy service should the unfortunate happen and you need to make a claim.

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Related FAQs

See all FAQs

What is Public Liability Insurance?

Public liability insurance is designed to protect your business if negligence on your part causes injury to a third party or damage to their property. It covers the cost of compensation, damages, and any legal costs incurred by third parties in making a successful legal claim against you. As an example, if you installed some wiring that later caused a fire which damaged or destroyed a building, and it was later deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

How Much Public Liability Insurance do I Need?

The level of protection you take out depends on the type of risks you face. It’s really an individual decision based on the nature of each business – though it’s worth finding out what level of cover potential clients expect you to have. There may be a minimum requirement of cover required depending on the nature of the job – for example if it’s a commercial contract for a council they may require a higher level of cover compared to a domestic job. We offer public liability cover ranging from £1 million up to £10 million, depending on the insurer.

What is the Difference Between Public Liability and Employers Liability?

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work, while public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

What is an Employee?

An employee is someone who works part-time or full-time under an employment contract.

What is a Labour-only Sub-contractor?

Labour-only sub-contractors work under your direction and typically use tools and materials you provide ‒ and are paid by you or through an employment agency.

Are Bona Fide Sub-contractors Treated as Employees?

Bona Fide sub-contractors are paid by the main contractor, but work under their own direction, provide their own materials and tools – and usually have their own public liability insurance in place.

What is Professional Indemnity Insurance?

Professional indemnity cover protects you and your business in the event of legal claims relating to advice you have provided and will cover the cost and expenses incurred in your defence.

What is Efficacy Cover?

Efficacy cover provides liability cover which protects you in the event of an injury to a third party or damage to their property, as a result of a product or service’s failure to perform its intended function. This may include failure due to a product fault or its installation, such as: - An alarm system. - A fire control or extinguishing system. - An electronic security system e.g. shutters, access gate, or CCTV cameras.

What is Contract Works Insurance?

Contract works insurance protects against damage to any property that is part of the permanent or temporary works being executed by you – that includes things like materials and other items supplied or used in connection with the contract.

What is Own and Hired in Plant Insurance?

Own plant and/or hired in plant cover is vital for any tradesmen who often use complex plant machinery and equipment at work. It either covers loss or damage to plant you own, or any legal liabilities resulting from loss or damage to plant you have hired in – for instance compensation due under any hire agreement.

*1 Cover may differ dependent upon insurer.

*2 As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

 

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