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INSURANCE BUILT FOR TRADES & CONTRACTORS
Protecting Trades & Contractor Businesses Across the UK
From sole traders to multi-site contracting firms, our combined contractor insurance policies are built to protect against risks such as property damage, injury claims, equipment loss, project delays and liability exposures. Get tailored cover for your trade and working style.
What’s Included in Trades & Contractors Combined Insurance?
Flexible protection designed for businesses working on-site, at client premises or on long-term contracts.
- Public Liability Insurance (core protection)
- Employers’ Liability – legally required if you employ staff
- Tools Cover – owned or hired tools & equipment
- Hired-In Plant Cover
- Contract Works (Buildings Under Construction)
- Professional Indemnity (optional)
- Damage to third-party property
- Commercial Vehicle & Van Insurance Add-ons
- Own Plant & Machinery Cover
- Contractor All-Risks Packages
- Business Interruption Insurance
- Temporary Site Buildings & Containers
- Employee Injury Claims
- Legal Expenses & Contract Dispute Cover
Who Is Trades & Contractors Combined Insurance For?
Ideal for all construction-related and mobile service businesses working on residential, commercial or industrial sites.
Construction & Building Trades
- Builders & general contractors
- Electricians & gas engineers
- Plumbers & heating engineers
- Roofers, scaffolders & bricklayers
Service & Maintenance Trades
- Landscapers & gardeners
- Cleaners & facilities maintenance
- Carpenters & joiners
- Handymen & mobile service workers
Why Contractors & Trades Choose Insure24
- Quick quotes from top UK insurers
- Tailored combined policies for contractors
- Support for claims and site-related incidents
- Competitive pricing across all trade types
FREQUENTLY ASKED QUESTIONS
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What does contractors’ combined insurance include?
It covers public liability, employers’ liability, tools,
hired-in plant, contract works, property damage, legal
expenses and optional vehicle and PI cover depending on
your trade and risk exposure.
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Do contractors need Employers’ Liability?
Yes - it is a legal requirement if you employ anyone,
including labourers, apprentices, temporary or part-time staff.
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Is tool theft covered?
Yes - tools cover protects both owned and hired equipment,
with options for overnight theft from vehicles depending on terms.
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Does contract works insurance apply to all sites?
Yes - contract works cover typically protects materials,
work in progress, and project value on any site you are responsible for.
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Can I get cover for multiple trades or activities?
Yes - many contractors operate in multiple disciplines and
your policy can be tailored to reflect all declared work types.
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What does contractors’ combined insurance include?
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Do contractors need Employers’ Liability?
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Is tool theft covered?
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Does contract works insurance apply to all sites?
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Can I get cover for multiple trades or activities?
Related Trades And Contractors Guides
These are the strongest next pages when trades-and-contractors enquiries need comparing with package-policy structure, liability exposure, site tools or wider continuity planning.
Core Trades Combined Pages
Core Product Links
Related Contractor And Premises Paths
More Commercial Combined Insurance Topics
Explore related cover for contractors, tools and plant, site-to-site operations, liability exposure, and package-based protection for trade businesses.