Tradesman insurance

Trade businesses can face various risks – from accidental injury to customers, employees or the public, or for damage to their property and the environment.

There may also be other risks specific to your business or sector – risks your local NFU Mutual office will help you identify and manage.

With our Tradesman insurance policy, you can protect yourself, your employees, and your business assets. Our policy includes cover suited to a variety of trade businesses - from builders and plumbers, to carpenters and electricians. It’s also flexible so you can choose optional cover to meet your business needs now and in the future.

Key things to know about our cover

  • Property - Cover for buildings, contents and stock at your business premises. You can protect them against damage caused by common risks such as fire, flood, storm or escape of water. You can also protect contents and stock away from your premises. Your tools can be covered up to £1,500 per item but you can choose to specify these if they are worth more.
  • Contractors’ All Risks - Covering loss or damage to new building works and the associated materials, plant and equipment used during the course of construction. Your machinery, or machinery you hire in, is covered up to £50,000 per item. It can also include cover for your employees’ tools, up to £500.
  • Liability - You or your employees may be held responsible for accidental injury to clients, customers or the public, or for damage to their property. Our normal cover is £2.5 million but you can choose higher limits. Also as an employer, you have a legal responsibility to buy employers’ liability insurance. If you choose to add this we provide £10 million as standard but higher limits are available.

Why choose NFU Mutual?

Local presence

With a network of over 300 agency offices nationwide, we can meet you face to face and really get to know you and your business.

Heritage

With over 100 years of insurance knowledge and expertise, we know the industry inside and out, and pride ourselves on our no quibble approach to claims.

Mutuality

Instead of making decisions based on shareholder’s needs, we make them with your best interests in mind. We reward your loyalty by offering a discount on your general insurance premium when you renew.

However, we recognise that every business is different and understand that one size doesn’t necessarily fit all, that’s why for businesses with more complex insurance needs we offer a Commercial Select product, and if you need it, more specialist sector advice.

Find your local NFU Mutual office and have a real conversation about your business needs, and see why 9 out of 10 business insurance customers choose to stay with us year after year.