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We’ve partnered with business insurance experts, Simply Business, to tell you everything you need to know about construction industry and tradesman insurance and how to make sure you’re covered.

Whether you’re a roofer, a plumber or a landscape gardener, you face a particular set of challenges and risks. Both one-man-bands and construction companies need good business insurance policies to back them up if something goes wrong. Simply  Business offer quick, quality cover, tailored to trade and construction.

They cover over 1,000 trade types, including most types of tradesmen: from stonemasons to dry-liners, from rendering contractors to partitioners, from ductwork installers to shuttering carpenters. Just use the trade selector on their quote form to type in or select your trade.
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Why Simply Business?

  • They’re one of the UK’s biggest business insurance providers
  • All settled claims paid within 24 hours
  • 9/10 ratings say they’re good (or excellent)
  • 425,000 customers (and counting)
  • Claims handled by an award-winning team
  • Quote comparisons available from multiple insurers
  • They run things from an expert, UK-based contact centre

 Looking for insurance? Click below to get a quote or find out more.

FAQs

Do I need business insurance?

You need business insurance to protect you against the everyday risks of your day to day jobs. Insurance can cover you against theft, mistakes, damage, accidents and legal fees.

If you’re a tradesman, you can set up a tailored policy on Simply Business’ tradesman insurance page.

Wondering about your specific trade? You can check out their insurance by industry list to find the cover that’s right for you.

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What is public liability insurance?

Public Liability Insurance can cover compensation payments and legal costs if a member of the public, customer or passerby, sues your business because they’ve been injured or their property has been damaged. It is one of the main types of business insurance.

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Is public liability insurance tax deductible?

Yes. All Business insurance counts as an ‘allowable expense’, so you can deduct it when you’re calculating your taxable profit.

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What is employers’ liability insurance?

Employers’ liability insurance can pay compensation costs and legal fees if an employee or ex-employee sues for illness or injury caused by their work.

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Is employers’ liability insurance a legal requirement?

Yes, employers’ liability insurance is a legal requirement for most who have employees.

The definition of ‘employee’ can be a little complicated. Labour-only subcontractors may be counted as employees for the purposes of the legislation, while bona-fide subcontractors usually aren’t included. Seek advice if you’re not sure whether employers’ liability insurance is a legal requirement for your business.

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