Industries and Trades We Cover
The cover a business needs is decided by the work it does, not by its size. These are the trades and industries we write most often, and what tends to catch each of them out.
Trades we write most often
Builders
Insurance for builders: public liability at the limit contracts demand, tools of trade, premises cover, and the site, the subbies and works in progress.
Carpenters
Insurance for carpenters: public liability at the limit contracts require, tools of trade, and damage to your finished work on a shared site.
Concreters
Insurance for concreters: public liability at the limit contracts demand, tools of trade, premises cover, and a wet pour going wrong or a slab that cracks.
Contractors
Insurance for contractors: public liability at the limit contracts demand, tools of trade, premises cover, and the cover principals demand before you get on.
Electricians
Insurance for electricians: public liability at the limit contracts demand, tools of trade, premises cover, and faulty work that causes a fire weeks after.
Landscapers
Insurance for landscapers: public liability at the limit contracts demand, tools of trade, premises cover, and services you hit and retaining walls that fail.
Mechanics
Insurance for mechanics: public liability, tools and premises cover, and — the piece generic policies miss — customers' vehicles in your care.
Painters
Insurance for painters: public liability at the limit contracts demand, tools of trade, premises cover, and overspray and damage to a client's finishes.
Plasterers
Insurance for plasterers: public liability at the limit contracts demand, tools of trade, premises cover, and water and dust damage beyond where you worked.
Plumbers
Insurance for plumbers: public liability at the limit contracts demand, tools of trade, premises cover, and water damage behind a wall that shows up later.
Roofers
Insurance for roofers: public liability at the limit contracts demand, tools of trade, premises cover, and work at height and water getting in after you leave.
Bricklayers
Insurance for bricklayers: public liability at the limit contracts demand, tools of trade, and defective work that shows up in a wall months later.
Handymen
Insurance for handymen: public liability, tools of trade and premises cover, plus the jobs outside what the insurer was told, which get claims knocked back.
Tilers
Insurance for tilers: public liability at the limit contracts demand, tools of trade, and water damage that only appears once the tiling is grouted.
Every industry we cover
A snapshot, not the whole list. If you don't see yours, we almost certainly still cover it — search above or start a quote.
Trades
Construction
Professional
Not sure which one you need?
That is the normal starting point, and it is the part a broker is actually for. Describe what you do and we will tell you what applies, what does not, and what your contracts are likely to demand.