What is Tradesman Insurance?

Tradesmen Insurance covers you against the hazards you work with every day, like sharp tools, heavy machinery, and powerful chemicals.

All it takes is a simple slip, trip, or spillage to cause an injury or serious property damage - just one mistake can lead to a compensation claim that could cost your business a lot of money.

When you work in customers’ homes and other premises, you can’t control everything, but you could still be held liable if a client or other third party believes your mistake has cost them money or led to an injury.

What does Tradesman Insurance cover?

Public Liability Insurance

Public Liability Insurance isn’t legally compulsory for tradesmen, but most people in the industry think it’s essential.

Public sector organisations and large companies are unlikely to work with an uninsured tradesman, so you could miss out on valuable work if you’re not covered.

Having Public Liability Insurance means you’re covered if you or an employee accidentally injures a member of the public or damages their property.

Find out more about Public Liability Insurance

Employers’ Liability Insurance

Employers' Liability Insurance is a legal requirement under the Employers’ Liability Act 1969.

It covers you if one of your employees is injured or becomes ill while they’re working for your business.

Employers' Liability Insurance is provided as standard if you have employees. 

Cover your tools

An optional extra that gives tradesmen added peace of mind.

Cover your all important tools and business equipment.

How can I get insured?

Churchill is no longer offering Tradesman Insurance but you can get a quote from our friends at Direct Line.

Got to

Direct Line and Churchill are both underwritten by U K Insurance Limited.

Who does Tradesman Insurance cover?

Cover is available for a large number of trades and self-employed professionals, including:

• Builders
• Plumbers
• Gardeners
• Carpenters
• Electricians
• Painters and decorators
• Cleaners

Don’t worry if you can’t see your trade here, it doesn’t mean you can’t get cover.

You can select from a large number of trades when you get a quote or get in touch to see if you can get covered.

How can I get insured?

Churchill is no longer offering Tradesman Insurance but you can get a quote from our friends at Direct Line.

Go to 

Direct Line and Churchill are both underwritten by U K Insurance Limited.

Tools Insurance

Your tools are vital to keeping your business running.

Tools and business equipment cover is available as an optional extra with Public Liability Insurance.

Tools insurance also covers mobile phones and laptops.

What tools are covered?

Different tools for different jobs means cover is available for your essential equipment whatever your trade.

Some of the tools covered include:

• Hammers
• Drills
• Lawnmowers
• Cleaning supplies
• Pipe cutters
• Saws
• Workbenches
• Wire cutters
• Blow torches

You can also get cover for electrical equipment, like:

• Digital cameras
• Smartphones
• Handheld survey equipment
• Removable sat-nav systems

You can get cover for a lot more tools than what's listed here, so get in touch to check if you can insure the equipment you use for your work.

How can I get insured?

Churchill is no longer offering Tools Insurance but you can get a quote from our friends at Direct Line.

Go to

Direct Line and Churchill are both underwritten by U K Insurance Limited.

Don’t forget your van

Most tradesmen would be lost without their van.

Get cover for your van if you use it to carry your tools and equipment to work.

Find out more about Van Insurance

Churchill van insurance is arranged and administered by our partner Brightside Insurance Services ltd