Tradespeople and contractors face a wide range of risks every day, from accidental damage to a client’s property through to injury claims involving members of the public or employees. Having the right tradesman’s liability insurance in place is essential to protect both your business and your livelihood.
Thornhill Insurance works with contractors and trades across many sectors, including builders, electricians, plumbers, heating engineers and joiners. Whether you work on your own or employ a team, insurance can be tailored to reflect the work you carry out, the contracts you take on and the level of risk involved.
By understanding the practical realities of running a trade business, we help ensure your insurance meets industry requirements and provides meaningful protection.
We never compromise on cover
Our packages can be built around the following:
Frequently Asked Questions About Tradesman’s Liability Insurance
What is tradesman’s liability insurance?
Tradesman’s liability insurance protects contractors and tradespeople against claims for injury or property damage arising from their work.
Is public liability insurance included?
Yes. Public liability insurance is a core part of cover and can be arranged with limits from £1 million up to £10 million or more.
Do I need employers’ liability insurance?
If you employ staff, employers’ liability insurance is a legal requirement and is typically arranged with a £10 million limit.
What does tools cover protect?
Tools cover helps pay for the replacement of tools if they are lost, stolen or damaged due to events such as fire or flooding.
Can plant and machinery be insured?
Yes. Cover can be arranged for owned plant, hired in plant and plant hire equipment.
Is cover available for contract works?
Yes. Contract works insurance can be included to protect work in progress.
Can fleet vehicles be insured?
Yes. Commercial fleet insurance can be arranged where required.
Do I need to speak to an advisor?
Due to the specialist nature of trades insurance, speaking with an advisor helps ensure your cover is structured correctly.
Insurance Built Around Your Trade
Every trade operates differently, which is why Thornhill Insurance focuses on tailored liability insurance rather than generic policies. We work with specialist insurers who understand trade specific risks and contractual requirements.
Our independent approach ensures your policy reflects your trade, turnover and work activities, without unnecessary exclusions. Regular reviews help keep your cover aligned with changes to your business.
With expert advice and claims support available when needed, you can focus on your work knowing your insurance is in place.
Our Office
Address: 334 Huddersfield Road, Mirfield, WF14 9DQ
Email: info@thornhillinsurance.co.uk
Phone: +44 (0)1924 499182
Freephone: 0800 8818841
Fax: +44 (0)1924 480106