Other Tradesmen and Tradeswomen Insurance

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

Get a quote 01132206627

The Right Tools to do the Job

When working as a tradesman or tradeswoman, you need the right tools in your toolbox – including appropriate liability insurance. Whether you specialise in one trade, or work across a number of trades, you need a 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 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 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 liability cover 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 cover you need including any essential tradesmen and tradeswomen 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 and tradeswomen 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.

Get a quote 01132206627

Why Choose Us?

NICEIC and ELECSA Insurance Services is a trading name of SME Insurance Services (SMEI). We’ve been operating for over 15 years and help service more than 35,000 policies across the UK.

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 Business Insurance?

Business insurance is designed to protect businesses when they suffer losses while carrying out their usual activities, and is particularly important if a business finds itself facing a claim for compensation. Specific business insurance cover features may include employers liability insurance, public liability insurance, and professional indemnity insurance.

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.

Do I Need Public Liability Insurance?

There’s no legal requirement to have public liability insurance in place, so it’s up to you to decide if you need it – though we’d recommend getting expert advice before deciding not to take it out. It’s fair to say that many businesses that interact with the general public – including tradesmen of most types – will typically take out public liability insurance.

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 Employers Liability Insurance?

Employers liability insurance protects you in the event you are held legally liable for accidental death or injury of your employees at work or in connection with your business. It also covers legal costs incurred by employees in making successful legal claims against you.

Do I Need Employers Liability Insurance?

There are some exceptions, but if your business has at least one employee then the likelihood is you will need employers liability insurance. That’s because The Employers' Liability (Compulsory Insurance) Regulations 1998, made employers liability insurance cover of at least £5 million compulsory for any individual or company with employees. The exceptions include: - Limited companies where the owner is the only employee, and owns 50% or more of the issued shares. - Businesses that are not limited companies and only employ close family members

What is an Employee?

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

Do I Need Employers Liability Insurance if I Use Temporary Workers?

Yes, the requirement for employers liability insurance extends to businesses using temporary or casual workers that are employed on a short-term contract and ad-hoc basis – whether they are clerical or manual workers.

Do I Need Employers Liability Insurance if I Use Sub-contractors?

That depends on whether you use “labour-only” or what’s known as “Bona Fide” sub-contractors. You’ll need employers liability insurance if you use labour-only sub-contractors – but Bona Fide sub-contractors are not treated as employees for insurance purposes.

*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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