Trades & Construction Insurance
Good work wins trust. Trust wins the next job. The right protection stands behind the reputation you're building one job at a time.
No two jobs are the same. One day you could be in a domestic property; the next you're on a commercial site, using hired plant, managing a crew or working to a tight deadline.
Your insurance should reflect the work you carry out, the equipment you rely on and the responsibilities that come with each job.
Covering trades and construction businesses including:
Different jobs bring different risks. Find cover for your work, your tools and your team on site.
Helps protect if someone is injured or their property is accidentally damaged because of your business activities.
From £5 a month
View Cover →Protection if an employee is injured or becomes ill through their work, and legally required for most UK employers.
From £5 a month
View Cover →Cover for insured tools and trade materials against risks including loss, theft or damage.
From £8 a month
View Cover →Cover for hired machinery and equipment while it is under your responsibility.
From £13 a month
View Cover →Protection for plant, equipment and machinery owned by your business.
From £17 a month
View Cover →Cover for unfinished work, materials and temporary structures against insured damage before completion.
From £20 a month
View Cover →Protection against claims arising from professional advice, designs, specifications or other professional services you provide.
From £8 a month
View Cover →Prices shown are average monthly equivalents of annual premiums. Your price will depend on your trade and the cover you choose. Monthly payments are available at 0% APR, with a higher first payment.
A single project can involve clients, property, valuable equipment, materials and other people working alongside you, often all at once.
A third party could be injured around your workspace, or their property could be accidentally damaged while you're carrying out a job.
Loss, theft or damage to tools can interrupt your work, delay the next job and leave you facing the cost of replacement.
Hired or owned plant can be costly to replace or repair, while hired equipment may come with contractual responsibilities if it is lost or damaged.
Fire, flood, storm or malicious damage could affect unfinished work, materials or temporary structures before a project is completed.
Employees, apprentices, casual workers and some subcontracting arrangements can bring additional responsibilities, including Employers' Liability requirements.
Clients, principal contractors and site operators may ask for evidence of particular insurance covers and limits before allowing work to begin.
Tell us about your trade and see the cover available for your business.
Some tradespeople do more than carry out the physical work.
If you provide designs, specifications, calculations, professional advice or consultancy as part of a job, Professional Indemnity Insurance may also be relevant.
Eligible policies include access to practical legal support and business resources to help with the everyday challenges of running your business.
Speak to qualified solicitors about business-related legal issues, including contracts, health & safety, employment law and other everyday legal questions.
Access ready-to-use contracts, policies, procedures, guides and templates designed to help with the practical and legal side of running your business.
Still not sure? Call us on 01225 284968.
That depends on your trade, whether you employ people, the equipment you use and any requirements set by clients or contractors.
Public Liability, Employers' Liability, Tools, Plant and Contract Works are among the covers commonly relevant to trades and construction businesses.
Public Liability Insurance is not generally required by law, but clients, principal contractors and site operators may require it before you start work.
Tools Insurance can cover insured tools and trade equipment against risks including loss, theft or damage, subject to the policy terms and conditions.
Your online quote will show the cover options available for your trade.
Own Plant covers insured machinery and equipment owned by your business.
Hired-in Plant covers machinery and equipment you hire and may be contractually responsible for while it is in your care.
Contract Works Insurance can cover unfinished work, materials and temporary structures against insured events such as fire, flood, storm damage or malicious damage before the project is handed over to the client.
It may be relevant if your work includes designs, specifications, calculations, professional advice or consultancy alongside the physical work you carry out.
Employers' Liability Insurance is legally required for most UK employers and can also apply where you employ apprentices, part-time staff or other workers, subject to limited exemptions.
Online insurance available through Captivo is provided by Markel, a long-established specialist insurer supporting thousands of UK businesses across a wide range of professions and trades.
Full insurer and policy details are shown before you buy.
The right protection behind the business your workmanship has built.
