Tradesman Insurance for Builders, Plumbers & Electricians | SRS Insurance
Protect your trade with SRS Tradesman Insurance — tailored cover for self-employed contractors, sole traders, and small businesses. Public liability, tools & accident cover.
What Is Tradesman Insurance?
Tradesman Insurance is a flexible, package-style policy that protects self-employed professionals and small trade businesses — from plumbers and electricians to joiners, tilers, decorators, and general builders.
It covers both the person and the tools of the trade, offering financial protection against injury, property damage, theft, and public liability claims.
Who Needs Tradesman Insurance?
Ideal for anyone working in the trades, including:
- Sole traders and self-employed contractors
- Subcontractors on larger projects
- Multi-trade professionals handling diverse work
- Small construction teams and start-ups
- Trades working on domestic, commercial, or local authority projects
If you interact with clients, work on-site, or employ others — this insurance is essential.
What’s Typically Included in a Tradesman Insurance Package?
Public Liability Insurance
Protects against third-party injury or property damage caused by your work.
- Standard cover limits: £1m–£5m
- Required for most commercial and council contracts
Employers’ Liability Insurance
Legal requirement if you employ staff — even casual or family members.
Tools Cover
Protects hand and power tools against theft, damage, or loss in your van, on site, or at home.
Optional, but crucial for trades relying on equipment.
Contract Works (Contractors’ All Risks)
Covers work in progress (e.g. extensions or refurbishments) against fire, flood, storm, or vandalism.
Personal Accident Insurance
Pays a lump sum or weekly benefit if you’re injured and can’t work.
Van Insurance
Often arranged separately, but essential for mobile trades.
Professional Indemnity (Optional)
For those offering design or advisory services, such as heating engineers, designers, or consultants.
Example Scenarios
- A plumber bursts a pipe in a customer’s home → Public Liability
- A roofer falls from scaffolding and can’t work for months → Personal Accident
- A joiner’s van is broken into overnight → Tools Cover
- A landscaper’s employee is injured on site → Employers’ Liability
- Storm damages a half-built house extension → Contract Works Cover
How Much Does Tradesman Insurance Cost?
Your premium depends on:
- Type of trade and associated risk
- Business size, turnover, and staff count
- Tool value and security measures
- Claims history and project type (domestic, commercial, or council)
Typical price guide:
- Sole trader with Public Liability: £150–£250/year
- With Tools + Accident Cover: £250–£600/year
- Construction firms: from £500+, depending on scope and contract value
Why Tradesman Insurance Matters
- Many tradesmen assume Public Liability alone is enough
- Council and commercial contracts often demand full documentation
- Tool theft is at an all-time high across the UK
- The right insurance package keeps your business legal, operational, and protected.
Why Choose SRS Insurance?
- Experts in UK trades and contractor insurance
- Access to leading specialist insurers for the trade sector
- Fast quotes and instant proof of cover for tenders or contracts
- Affordable, flexible monthly or annual payment options
- Local service and expert advice from our Yorkshire-based team
Get a Quote Today
Protect your trade, tools, and livelihood with SRS Tradesman Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.