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 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

Insurance Solutions from Gallagher

We have chosen to work with Gallagher, one of the UK’s largest insurance brokers. As a broker, Gallagher have access to a panel of insurers plus they provide professional advice and expertise, helping you get the right insurance for your business.

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.

Public Liability is the core element of insurance in this policy, however there are many other optional covers and products available to help protect your business.

Types of cover available

Types of cover available

Types of cover available

Employers Liability

Protects you against claims made by employees as a result of an accident causing injury or damage to their property. Employers’ Liability is a legal requirement for almost all businesses that employ staff (including contractors, casual workers and volunteers).

Types of cover available

Tool Cover

Protects your tools (hand held, power tools and equipment) against loss or theft.

Types of cover available

Stock Cover

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

Types of cover available

Plant Cover

Protects hired in plant equipment against theft or accidental damage including continuing hire costs.

Types of cover available

Business Interruption

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

Types of cover available

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, £2m or £5m depending on the job you working on.

Speak to Arthur J Gallagher about protecting your business on 0345 377 0001 (Mon-Fri, 8am -6pm)

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 0345 377 0001 (Mon-Fri, 8am -6pm)

This insurance product is subject to individual terms and conditions and some exclusions apply. Please ask for a copy of the terms and conditions for full details.

Bank of Scotland Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited who sources products from a panel of insurers. Arthur J. Gallagher Insurance Brokers Limited, registered office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. Authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 311786). The Bank of Scotland brand and logo are used under licence.

Need advice or a quote?

Call 0345 377 0001 (Mon-Fri, 8am-6pm) to get advice from an experienced adviser.

You'll have the option to buy your insurance over the phone and get instant cover.