Insurance for trades & property pros

You should get cover before you start your first job or hire any staff.

• The law requires employers' liability cover if you have staff.
• Landlords and developers often demand proof of insurance before hiring.
• Public liability is vital for trades working in people's homes.
• Expert consultants need cover for their designs and reports.
• Commercial contracts often ask for 5 million pounds in cover.
• As a guide, expect to pay 50 to 500 pounds yearly.

You can usually set up your cover online or by phone in minutes.

• Share your business turnover and total number of staff.
• Describe your daily work and any past claims clearly.
• Receive your certificate by email as soon as you pay.
• Send your new certificate to your trade body portal.
• Print a copy to show customers when you arrive.
• Ask your professional to explain any complex policy terms.

Having insurance gives you and your customers total peace of mind every day.

• Use your insured status to win more high-quality work.
• Stop worrying about the high cost of legal mistakes.
• Protect your business savings from unexpected accident claims.
• Meet the membership rules for groups like Gas Safe.
• Build trust by showing you take your work seriously.
• Keep your business running even if you face a claim.

It is important to know exactly what your policy pays for if things go wrong.

• Public liability pays for damage to property or people.
• Professional indemnity covers mistakes in your advice or plans.
• Employers' liability is a legal must for any staff members.
• Tool cover protects your gear if it is stolen.
• Subcontractor rules vary so check if your team is covered.
• Ask your professional if you need specific cover for heat.