The limits
- Public and products liability
- £2m to £10m
- Employers' liability
- £10m
- Tools at replacement cost
- Up to £15,000
- Contract works
- Up to £75,000
Public liability, tools, and the job you have already been paid for.
Trade and liability
from £260 a year
4.9 (612)Public and products liability, employers' liability, tools and contract works for builders, electricians, plumbers and joiners.
Who it suits. Builders, electricians, plumbers, joiners and groundworkers: sole traders and firms up to ten people.
Standard excess £250. The price shown is typical for a plain risk, not a quote.
What is covered
- Public liability for damage to a customer's property or injury to anyone
- Employers' liability the moment you take a labourer on
- Contract works: the job itself, until it is signed off
- Tools at replacement cost, on site and in transit
- Hired-in plant, on a weekly declaration
What is not
- Work above 12 metres, unless you tell us first
- Hot work without a written permit
- Tools left in an unattended vehicle overnight outside a locked compound
How we place it
A main contractor will ask for your public liability certificate before you set foot on site. We issue it the same day, and we set the limit to what your contracts ask for: £2m for most domestic work, £5m or £10m for commercial sites.
Contract works is the one tradespeople miss. It covers the job itself until it is signed off: the half-built extension, the kitchen that is fitted but not paid for. If a storm takes it down on a Friday night, you are not starting again at your own cost.
Take someone on, even for a week, and you need employers’ liability by law. Ring us before they start and it is added the same day.
Claims go through us
Ring 01632 960 750 at any hour. A broker takes the details, tells the insurer the same day and stays with the claim until it is paid.
How claims work
