From 13 July 2024, we're no longer offering Tradesperson and Professionals insurance.

If you need cover for your small business you can get a quote from our friends at Direct Line.

For more information check out our answers to some common questions.

Tradesman Insurance

£1 million of Public Liability cover included as standard.


Why choose Churchill for Tradesman Insurance?

  • Increase your public liability cover up to £10 million
  • Tailor your policy to suit your business
  • Cover for your valuable tools and equipment - including your own and hired-in plant
  • Business stock cover
  • Up to £750,000 contract works cover
  • Insurance for your staff with Employers’ Liability Cover - including temporary employees
  • Access to a 24-hour legal advice line
  • Specialist Claims Handlers to help you when you make a claim

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.

Our Tradesman Insurance provides £1 million public liability cover as standard. Our optional extras help you cover your employees and your all-important tools and equipment.

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.

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

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. 

Find out more about Employers' 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.

Find out more about Tools Cover

Who does Tradesman Insurance cover?

We cover 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 we can’t cover you.

You can select from a large number of trades when you get a quote, or you can give us a call to see if we can get you covered.

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

Cover 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.

Find out more about Public Liability Insurance

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.

Find out more about tools and business equipment cover

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

Up to £25,000 cover if your business stock is damaged or stolen.

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

Insure 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.

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 23 August 2023

Policy documents for policies starting 23 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. 

Help and support