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INSURANCE FOR EVERY SPECIALIST TRADE
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PUBLIC LIABILITY
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EMPLOYERS’ LIABILITY
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TOOLS & EQUIPMENT
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CONTRACT WORKS
Tailored Insurance for Skilled Trades Across the UK
From plumbing emergencies to electrical installations and roofing repairs, specialist trades face unique risks every day. Insure24 provides customised cover designed specifically for professional contractors working in construction and property sectors.
What Does Specialist Trades Insurance Cover?
Comprehensive protection for tradespeople working on residential, commercial or industrial sites.
- Public Liability Insurance
- Employers’ Liability (if you hire staff or labour-only subcontractors)
- Tools & portable equipment cover
- Contract Works / Contractors’ All Risks
- Hired-in plant & machinery cover
- Damage to customer property
- Bodily injury to third parties
- Vehicle & van insurance add-ons
- Heat work cover (roofing, welding, soldering)
- Professional Indemnity for some design/specification work
Which Specialist Trades Need This Insurance?
Ideal for contractors, subcontractors, sole traders and multi-trade businesses.
- Plumbers & Heating Engineers
- Electricians & Electrical Contractors
- Roofers & Flat Roofing Specialists
- Carpenters & Joiners
- Bricklayers & Groundworkers
- Painters, Decorators & Plasterers
- Tilers & Flooring Contractors
- Window Fitters & Glaziers
- HVAC & Ventilation Engineers
- Multi-trade maintenance contractors
Why Specialist Trades Choose Insure24
- Competitive premiums for skilled trades
- Fast quotations for urgent site work
- Flexible cover for subcontractors & labour-only staff
- Tailored cover for heat work & hazardous activities
- Access to specialist construction insurers
- Annual or short-term policies available
- Add tools, plant, contract works & van insurance
- Dedicated claims support & guidance
- Clear documentation & expert advice
- Perfect for small, medium or multi-trade firms
FREQUENTLY ASKED QUESTIONS
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Which trades are covered under specialist trades insurance?
Most construction trades including plumbers, electricians, roofers, plasterers, joiners,
decorators, bricklayers, tilers, groundworkers, HVAC engineers and maintenance contractors.
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Do I need employers' liability insurance?
If you hire staff or use labour-only subcontractors, employers' liability insurance is a
legal requirement in the UK.
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Can I cover my tools and equipment?
Yes - tools, portable equipment, and even hired-in plant can be added to your policy
for theft, damage and accidental loss.
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Is heat work covered?
Yes - but insurers may apply special conditions for hot works such as welding,
soldering, and torch-on roofing. We arrange cover that includes these activities.
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Do I need contract works insurance?
Contract Works cover protects building work in progress from fire, theft, weather damage
and accidental loss. It is often essential for contractors working on long-term projects.
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Which trades are covered under specialist trades insurance?
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Do I need employers' liability insurance?
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Can I cover my tools and equipment?
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Is heat work covered?
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Do I need contract works insurance?
Related Covers
Specialist-trade pages should direct visitors into the construction cover areas that usually sit alongside trade-specific risks. These links keep specialist-trade intent focused on related construction insurance pages.