• Tradesmen insurance

    Comprehensive cover that works for you

    As a tradesman, your business is personal. Protect it by protecting yourself and the equipment you rely on.

    Whether you know what you want or would like some help understanding what protection you need, Bank of Scotland Business Insurance Services, arranged and administered by leading UK insurance broker Arthur J. Gallagher Insurance Brokers Limited, can help.

    You should consider Tradesman Insurance if you provide a service that requires you to:

    • work on a building site
    • work in a customer’s home
    • work on other premises
  • Why Bank of Scotland Business Insurance Services?

    • right cover at a competitive price - the best price returned from a panel of insurers, saving you the time and hassle of shopping around
    • a name you can trust - Arthur J Gallagher is a UK Commercial Retail Broker with over 40 years' experience in the UK market  
    • expertise in Tradesman Insurance and understands the challenges you face within your industry
    • Immediate cover can be requested and you can receive confirmation of cover by email straight away, giving you peace of mind
    • choose your own cover limits to ensure you have the right level of protection for the job you are doing

    For more information or a quote call 01384 862 660

  • Types of businesses that would typically have Tradesman Insurance include:

    • Builders
    • Electricians
    • Carpenters
    • Gardeners
    • Ironing services
    • Painters and decorators
    • Plumbers
    • Sign writers
    • Window cleaners

    Please note that this is not an exhaustive list

    What is Tradesman Insurance?

    If you are working on site, in a customer’s home or on other premises, this policy protects you, a partner or employee should a customer claim against you for an accident that causes injury or damage and provides compensation to correct your mistakes as well as cover any legal costs.

    For example:
    If a painter and decorator accidentally spills paint over a customer’s carpet whilst working. The tradesman would be liable for the cost of replacing the damaged carpet.

    You will also be covered for Public Liability as the core element of insurance in this policy however; there are many other optional covers which can be included to protect your business needs.

    Types of cover available


    Employers Liability 

    protects your employees should they become ill or injure themselves whilst working for you.
    This is a legal requirement if you have employees

    Tool Cover

    protects your tools (hand help, power tools and equipment) against loss or theft

    Commercial Vehicle

    protects your commercial vehicle (van or fleet) against fire, theft or accidental damage. If you use your car for business use, ensure you tell your insurer otherwise this could invalidate your insurance.
    This is a legal requirement if you have a vehicle.

    Stock Cover

    protecting the stock you keep on your business premises against loss or theft.

    Plant Cover

    protects the Plant you are hiring against loss, theft or accidental damage including legal defence costs and continuing hire costs.

    Business Interruption

    rotects the loss of revenue should you be impacted by an event out of your control which prevents you from trading.

    Professional Indemnity

    protects you should a customer claim against you for professional negligence and provides compensation to correct your mistakes as well as cover any legal costs.


    Did you know?

    • Some trade associations will not allow you to register with them unless you have Public Liability Insurance
    • Some businesses and Local Authorities will ask you to provide proof of Public Liability Insurance with a certain level of cover before they will do business with you
    • Public Liability Insurance starts at £1m liability, which means you will be covered for claims up to £1m, however, you can choose to set your limit at £1m, £5m or £10m depending on the job you working on.

    Speak to Arthur J Gallagher about protecting your business on 01384 862 660.

  • Expert Protection, Simply Done

    Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

    Bank of Scotland is an introducer to Arthur J. Gallagher Insurance Brokers Limited who arrange and administer Bank of Scotland Business Insurance Services and source products from a panel of insurers. Bank of Scotland plc, registered office The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 169628.

  • Get a quote

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    For more information or a quote call

    01384 862 660
    (Open 9am–5pm Monday to Friday)

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