The Chancellor of the Exchequer has made his Autumn Statement. See what it means for you.

The Chancellor of the Exchequer has made his Autumn Statement. See what it means for you.



Tradesman Insurance

Giving you the tools to thrive.

With highly rated cover for a wide variety of trades we can offer the right Tradesman Insurance suited to your circumstances.

Insurance overview

Trade businesses face various risks – from accidental injury to customers, employees and workers or the public, or for damage to their property, tools and the environment. Tradesman Insurance can help to protect you from these risks.

Our policy provides cover for a variety of trade businesses - from builders and plumbers, to carpenters and electricians. It's also flexible so you can choose optional covers to meet your needs now and in the future.

What's included as standard:

  • Public Liability - damages arising from injury to the public or damage to their property. Our normal cover is £2.5 million but you can choose higher limits.
  • Product Liability - damages arising from injury to the public or damage to their property, caused by your products. Our normal cover is £2.5 million but you can choose higher limits.
  • Environmental Liability - damages arising from injury to the public or damage to their property caused by pollution, including the cost of cleaning your own premises, up to £1 million.

Additional covers you can choose:

  • Employers' Liability - damages arising from injury and illness to employees, up to £10 million as standard.
  • Goods in Transit - protection of your goods while they’re in transit in your vehicles or with a third party carrier.
  • Group Personal Accident - protecting yourself and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
  • Contents and Stock - cover against damage caused by common risks such as fire, flood, storm or escape of water. Includes customer's goods if you're responsible for them.
  • Buildings - cover against damage caused by common risks such as fire, flood, storm or escape of water. Includes accidental breakage of fixed glass and sanitary ware.
  • Contractors' All Risks - damage to contract works and materials while you’re at or travelling to or from the contract site, including machinery you own or hire.
  • Commercial Legal Expenses - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
  • Business Interruption - loss of income due to damage to property used by you at the premises, up to £1.5 million.
  • Money and Malicious Attack - your money is protected against loss or theft at your premises and whilst you take it to the bank, including unauthorised use of any credit, cheque, bank or cash card, up to £10,000.
  • Engineering Insurance - accidental damage or breakdown of machinery and plant.
  • Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
  • Terrorism - protection against property damage and loss of income caused by acts of terrorism.
  • Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
This is not an exhaustive list, more information can be found in the important documents section.

The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
  • Defaqto 5 Star rated cover

    Our Tradesman Insurance provides one of the highest quality offerings on the market.

    Defaqto 5 Star rated cover

    Our Tradesman Insurance provides one of the highest quality offerings on the market.

  • tradesman-insurance-defaqto-2023

Frequently asked questions

Other business products

Corporate Insurance

Our Commercial Select Insurance policy, is flexible to cover your businesses needs, suitable for larger businesses.

Commercial Vehicle Insurance

Vehicles can be important to your business - from pickups and vans to larger motor fleets, we're here to help keep you on the road.

Risk Management Services

Our experts can identify the dangers facing your business and offer one to one solutions personalised to your business.

What's next?

Take out a new policy

Ready to buy a Business Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your insurance policy.

Claims

Notify us of a new Business Insurance claim or speak to us about a claim that is in progress.