A joint you fitted lets go overnight and floods a customer's kitchen and the flat below. The damage claim comes to £24,000.
Covered by Public Liability
Insurance for trades and property services.
What one bad job can cost.
The risks that come with working on someone else's property, and the cover that pays.
Someone forces the van door at lunchtime outside a job and takes the power tools. Replacing the equipment costs £5,500.
Covered by All Risks
Your apprentice falls from a stepladder on site and breaks a wrist. Their claim against you comes to £16,000.
Covered by Employers' Liability
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. Most of it online.
Most quotes come back online in minutes. Some go to an underwriter for review first, and if yours does, we tell you.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover built for the job.
Every job is on someone else's property, with your tools and your name on it.
Your tools earn the money
Drills, testers, saws and laptops travel in the van from job to job. All Risks covers the equipment you name against theft, loss and accidental damage, wherever the work is.
Customers' homes are full of things to damage
A dropped tool through a worktop, a leak through a ceiling, a tripped homeowner. Public Liability pays for injury and damage to other people's property caused by your work.
Chasing a final invoice shouldn't cost you
A customer who won't pay or a dispute over the work. Legal Expenses pays the professional fees to recover what you're owed, with legal advice by phone.
The policies that matter most
The core modules for your trade. Tap through for what each one does.
Get a quote- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- Employers' LiabilityRequired by law once you employ staff. Claims from employees who are injured or fall ill because of their work.
- All RisksBroader cover for accidental loss or damage to business assets — including the kit you take off-site.
- Legal ExpensesLegal costs and expert advice when a dispute hits — employment claims, tax investigations, contract and debt recovery — plus a 24/7 legal advice line.
Who this covers.
Trades and property businesses we cover. Search for yours when you start a quote, and we'll tell you if it needs review.
Plumbers and heating engineers
Installing and repairing pipework, radiators and heating systems.
Electricians
Wiring, rewiring, fault finding and electrical installations.
Gas fitters and boiler engineers
Installing, servicing and repairing boilers and gas appliances.
Painters and decorators
Painting, wallpapering and decorating homes and businesses.
Kitchen and bathroom fitters
Fitting kitchens and bathrooms, units and all.
Builders
Extensions, renovations and general building work.
Roofers
Fitting, repairing and replacing roofs.
Carpenters and joiners
Structural and finishing carpentry on building sites.
Locksmiths
Fitting and repairing locks, and getting people back inside.
Estate and letting agents
Selling and letting homes and commercial property for clients.
Property maintenance firms
General repairs and upkeep on homes and commercial buildings.
Office and commercial cleaners
Cleaning offices, shops and business premises.
Alarm and CCTV installers
Fitting and maintaining intruder alarms and CCTV systems.
Fire alarm installers
Fitting and servicing fire detection and alarm systems.
Plumbers and heating engineers
Installing and repairing pipework, radiators and heating systems.
Electricians
Wiring, rewiring, fault finding and electrical installations.
Gas fitters and boiler engineers
Installing, servicing and repairing boilers and gas appliances.
Painters and decorators
Painting, wallpapering and decorating homes and businesses.
Kitchen and bathroom fitters
Fitting kitchens and bathrooms, units and all.
Builders
Extensions, renovations and general building work.
Roofers
Fitting, repairing and replacing roofs.
Carpenters and joiners
Structural and finishing carpentry on building sites.
Locksmiths
Fitting and repairing locks, and getting people back inside.
Estate and letting agents
Selling and letting homes and commercial property for clients.
Property maintenance firms
General repairs and upkeep on homes and commercial buildings.
Office and commercial cleaners
Cleaning offices, shops and business premises.
Alarm and CCTV installers
Fitting and maintaining intruder alarms and CCTV systems.
Fire alarm installers
Fitting and servicing fire detection and alarm systems.
More than a policy
A dispute or a tax enquiry tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone, and if you ever do need to claim, we get your notification straight to the specialist team appointed to handle it, and they take it from there, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal advice line
- Tax & VAT advice, weekday hours
- Confidential counselling, 24/7
Questions, answered.
Public Liability is the one customers and main contractors ask to see. Most add All Risks for tools and equipment, Employers' Liability once they take on an apprentice or employee, and Legal Expenses for payment disputes.
All Risks covers the tools and equipment you list on the policy against theft, loss and accidental damage, on site and on the road across the UK. Theft from an empty van is covered in the day only where it was broken into, and not overnight unless the equipment was inside a locked building, so plan where it sleeps.
Often, yes. Someone working under your direction, with your tools and on your jobs, usually needs Employers' Liability cover whatever they are called on the invoice. Tell us who works with you and we'll ask the right questions.
Often. Most trade and property quotes come back online in a few minutes. Some go to an underwriter for review first, often because of working at height or the type of work, and you hear from us when that happens.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).