Tradesman Insurance
Tradesman Insurance built around real risks on site
Tradesman Insurance brings core covers into one policy, protecting the work you carry out, the tools and equipment you depend on, and the people who work alongside you.
Many trades, including builders, electricians, plumbers, joiners, decorators, roofers and general contractors, face several risks at once. A mistake on-site, damage to a customer’s property, stolen tools or an injury to an employee can all interrupt jobs and create unexpected costs.
This policy groups the essentials such as public liability, employers’ liability, contract works, tools, equipment and personal accident cover, helping you manage risk more easily and avoid gaps that can occur when arranging separate products.
It suits tradespeople who work across different sites, carry equipment in vans, manage subcontractors or handle work where property damage or injury risks are present. If something goes wrong, this cover helps you continue working and meet your commitments.
All Icon Risks policies are arranged with FCA-authorised insurers.
Who is Tradesman Insurance for?
- Builders
- Bricklayers
- Electricians
- Plumbers
- Landscapers
- Joiners
- Decorators
- Groomers
- Hairdressers
- Roofers
- Handymen
- Plasterers
Any business carrying out physical work for clients
Why Choose This Cover?
Work on site doesn’t always go to plan. A damaged fixture, a missing tool kit or an injury involving someone on the job can stall progress and leave you dealing with costs you didn’t expect. Tradesman Insurance gives you practical support in these moments by bringing the key protections you rely on into one policy. It gives you a clearer path back to work so you can focus on finishing the job rather than absorbing the financial fallout.
Choosing a Limit
Your ideal level of cover depends on how you work, the size and type of projects you take on, the value of the tools you carry, whether you employ anyone and the requirements set by customers or main contractors. Every trade works differently, so the amount of cover you choose should reflect the kind of jobs you take on and what it would cost to put things right. If you’re unsure how much you need, our experts will look at your typical workload and help you settle on a figure that makes sense for your situation.
What’s Included in Our Tradesman Cover
Public Liability
Protects you if you accidentally damage a client’s property or if someone is injured because of your work. Many trades require this to gain site access or win contracts.
Employers’ Liability
Covers injuries or illness to employees or labour-only subcontractors. This is a legal requirement for most businesses with staff.
Contract Works
Protects work in progress against damage from events such as fire, flood, storm or theft right up until the project is completed. It is suitable for builders and contractors working on active construction sites.
Tools Cover
Helps replace essential tools if they’re stolen or damaged, either on-site or from a secured vehicle. Ideal for trades that rely on portable equipment.
Equipment Cover
Protection for larger machinery, plant or specialist kit needed to complete jobs. This may include accidental damage, breakdown or theft depending on the policy.
Personal Accident
Provides financial support if you are injured and unable to work. Useful for self-employed trades where income depends on a physical ability to perform the job.
Optional Add-Ons
Depending on your work, you can include additional sections such as hired-in plant, goods in transit or commercial vehicle insurance.
Please note: Tradesman Insurance will not cover wear and tear, deliberate damage, pre-existing issues or losses unrelated to an insured event. Claims may also be affected if security or safety requirements are not met.
Why Icon Risk
✓ Expert guidance for trades and contractors
✓ Fast quotes for small and growing businesses
✓ Straightforward explanations so you know exactly what’s covered
✓ Claims handled with excellent communication
✓ Policies placed with FCA-authorised insurers
✓ Options built around the way you work, including subcontractor arrangements
✓ Support making changes as your tools, team or contract requirements grow
FAQ’s
Do I need all types of cover?
Not always. We help you choose the sections that match your work, contract requirements and level of risk.
Does this cover subcontractors?
Labour-only subcontractors are usually covered under employers’ liability. Bona fide subcontractors may need their own insurance. Talk to our experts for a breakdown on the differences.
Are my tools insured in my van overnight?
They can be, depending on security requirements. We’ll outline what’s needed to keep cover valid.
Does personal accident cover apply if I’m self-employed?
Yes. It’s often one of the most valuable protections for sole traders.