Tradesman Insurance
Protection for your business. £1 million of Public Liability cover included as standard.
What is Tradesman Insurance?
Tradesmen are used to working with everyday hazards 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 mishap can lead to a compensation claim that could cost your business a lot of money.
Working in clients’ homes and other premises means you can’t control every aspect of the environment 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.
Our Tradesman Insurance provides £1 million public liability cover as standard, with options to increase it to up to £10 million.
What’s covered?
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 protected if you or an employee accidentally injures a member of the public or damages their property.
Our Tradesman Insurance provides £1 million public liability cover as standard, with options to increase it to up to £10 million.
Find out more about Public Liability Insurance
Cover your tools
An optional extra that gives tradesmen added peace of mind.
We’ll cover your all important tools and business equipment up to £10,000.
Our tools insurance includes mobile phones and laptops.
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
Make your policy work for you
Tailor you cover with our optional extras
Public Liability Cover up to £10 million
Protection against claims for injury or property damage by clients or members of the public. You can increase our standard cover to up to £10 million.
Employers' Liability Cover
The law states you must have Employers’ Liability Insurance if you hire anyone, including apprentices. Add up to £10 million cover to your policy.
Tools and Business Equipment Cover
You can cover your valuable tools and business equipment up to £10,000 for added peace of mind. Our tools cover includes mobile phones and laptops.
Personal Accident Cover
Insure named people in your business, aged 16‐75, against personal accidents. Add death benefit up to £10,000 (weekly benefits up to £100).
Contract Works Cover
Get up to £750,000 cover for work that’s underway on a site. It can cover the cost of repairing or re-doing the work that’s in progress if it’s damaged by an insured event like fire or flooding.
Business Stock Cover
Protection if your business stock is damaged or stolen, with cover up to £25,000.
Own Plant Cover
£75,000 cover if your own plant is damaged or stolen. It includes temporary buildings and site huts.
Hired-in Plant Cover
Protect your hired in plant from damage or theft. Get cover for any one item up to £20,000 (the maximum sum insured is £75,000)
Cover for Temporary Employees
Insure temporary employees or bona-fide contractors hired by your business.
Expert guidance for your business
Business is confusing enough without having to worry about risks, rules, and regulations.
When you’re running your own business, you want to concentrate on the things you do best and leave the boring stuff to someone else.
That’s where we come in. We can’t do it all for you, but Churchill Business Navigator can help you find your way through some of the red tape that business owners have to deal with.
What’s Churchill Business Navigator?
Churchill Business Navigator is our free, easy to use risk management portal for Churchill Business Tradesperson, Professional and Landlord customers.
It has a wide range of tools and resources to help you manage risk in your business 24/7.
The help available includes online modules covering everything from HR processes and business continuity plans to dealing with Brexit and employment legislation.
You can get a response from our team of experts to any questions you have within 24 hours and there’s a library of downloadable industry-standard documents to help you with HR and health and safety compliance.
Get into the detail
Policy documents
You can read our Tradesman policy documents below.
These are standard documents that might be different to the ones you received when you took out your policy.
Log in to your account to find your individual policy documents.
Policy documents for policies starting before 23rd August 2023
Policy documents for policies starting 23rd August 2023
Need some help?
Visit our help and support page for answers to common questions or to contact us if you want to talk to someone.