Tradesman insurance

Business insurance for tradesmen

From electricians and joiners to painters and decorators, we’re proud to protect thousands of tradesmen across the UK.

With tradesman insurance from AXA, you can tailor your cover to suit your business – no matter whether you’re a one-man band just starting up or a building company that’s been established for generations.

And if you protect your business online with AXA, you'll also get a 10% discount. Now that’s business insurance that really measures up.

What types of insurance do tradesmen need?

While public liability insurance is an essential cover for most tradesmen, we know every business is different. And that’s exactly why we let you adapt your insurance to meet your needs.

To help you decide, here’s an idea of the main covers that are available for tradesmen. That way, you’ll get the insurance that’s right for your business – not someone else’s.

Public liability insurance

Public liability insurance covers your legal liability for accidental injury or property damage claims made against your business by customers, members of the public or people you visit.

And with more than 50% of customers suspicious of tradesmen who don’t have public liability insurance,* having it in place could really help your reputation.

Employers’ liability insurance

Many tradesmen across the UK are one-man bands, but if you have any employees, including sub-contractors, casual labourers and apprentices, you’re legally required to have employers’ liability insurance.

With employers’ liability insurance in place, we’ll cover your legal liability if someone you employ is injured in the workplace or falls ill through work.

“My business insurance is my security – and AXA are the best guys for the job”

Charlie, Charlie’s Plumbing Services

Additional covers for tradesmen

Own tools and equipment cover

We’ll cover you for accidental loss, theft or damage to your own tools, plant and equipment – including your work tools, as well as any machinery, trailers, site huts or caravans owned by you.

Hired-in plant equipment cover

We can also cover equipment you’ve hired to use in connection with your business, like constructional plant, machinery, tools or site huts, in case they’re accidentally damaged or destroyed in your care.

Contract works cover

If you’re building a new house or extending a property, and the site you're working on is destroyed or damaged part way through the job, you could lose your work and materials.

But with contract works cover, also known as contractors’ all risks insurance, we’ll protect you against accidental loss, destruction or damage – so you can complete the contract you’re working on.

Personal accident cover

Capital benefits

If you or a fellow principal, partner or director under the age of 75 is involved in an accident that results in death, permanent total disability, or loss of limb or sight, we’ll give you a lump sum payment of £2000.

Weekly benefits

If a principal, partner or director under the age of 75 is temporarily injured (for example, with a broken arm or leg) and left unable to work, we’ll pay their weekly wage until they recover.

Van insurance for tradesmen

While some people might just see their van as a means of getting from A to B, we know your van is an important part of your business as a tradesman.

With van insurance from AXA, you’ll get accident recovery, roadside repairs and a guaranteed courtesy van – and cover for the little things like wrong fuel, lost keys and Sat Navs.

What types of tradesmen do we cover?

At AXA Business Insurance, we’re proud to protect thousands of tradesmen across the UK.

We’ve included a selection of the main types of tradesmen we cover, but don’t worry if your trade isn’t listed below – you can still get a quote.

  • Electricians and electrical contractors
  • Builders
  • Carpenters and joiners
  • Painters and decorators
  • Property and building maintenance and repair companies
  • Plumbers and heating engineers
  • Bricklayers
  • Plasterers and dry lining contractors 

Electricians and electrical contractors’ insurance

Working with live wire and electrical cables might be the norm for electricians and electrical contractors, but it can be extremely dangerous.

Because of this, even the most minor accidents could lead to major compensation claims – and a big shock for your business.

But with AXA business insurance for electricians and electrical contractors, you’ll get the protection you need – so you have the peace of mind you need to get on with your job.

Choose from:

  • Public liability insurance
  • Employers’ liability insurance
  • Optional extras including cover for your tools and equipment
  • Plus van insurance

Builders’ insurance

From building extensions to repairing properties, being a builder can be a hazardous job. And no matter how careful you are, accidents can happen.

But with AXA Business Insurance for builders, you’ll be safe in the knowledge that you’re properly protected – giving you the peace of mind to get on with your job.

So whether you’re a sole trader out on your own, or you run a building company with a van and employees, go ahead and build a business insurance policy that meets your needs.

Choose from:

  • Public liability insurance
  • Employers’ liability insurance
  • Optional extras including cover for your tools and equipment
  • Plus van insurance

Carpenters and joiners’ insurance

Carpenters and joiners need to manage more hazards than most on the job – and from managing powerful cutting machinery to dealing with wood dust and splinters, accidents can easily happen.

With business insurance from AXA in place, you don’t need to worry though – because you can construct a policy that meets the needs of your joinery business.

Just pick and choose the covers that suit your business – and cut the ones you don’t. Now that’s business insurance that really measures up.

Choose from:

  • Public liability insurance
  • Employers’ liability insurance
  • Optional extras including cover for your tools and equipment
  • Plus van insurance

Painters and decorators’ insurance

From spilling paint on a customer’s carpet, to an apprentice falling off a ladder and breaking his arm, accidents happen to even the most experienced painters and decorators.

So while part of your job is keeping your customers and employees safe and managing the risks from paints, varnishes and solvents, we’ll be on hand to keep you safe – giving you one less thing to worry about.

Choose from:

  • Public liability insurance
  • Employers’ liability insurance
  • Optional extras including cover for your tools and equipment
  • Plus van insurance

Property and building maintenance insurance

For property or building maintenance companies, no day is ever the same. And when you carry out maintenance and repairs across a variety of trades at different sites, it’s only natural that accidents may happen.

If they do, there’s no need to worry. Because with AXA, you can rely on our business insurance for property and building maintenance professionals.

Simply tailor your cover to suit your needs, and if you protect your business online, you'll get a 10% discount. It’s the protection you expect from AXA – for less.

Choose from:

  • Public liability insurance
  • Employers’ liability insurance
  • Optional extras including cover for your tools and equipment
  • Plus van insurance

Plumbers and heating engineers’ insurance

From uncovering old lead pipes to accidentally causing a leak in a customer’s bathroom, you never know what to expect from a plumbing job.

And that means you need to be prepared for any eventuality – especially with damage to ‘other property’ such as pipes, gas mains and tiles the source of most property damage claims.**

Get the protection and peace of mind you need with business insurance from AXA – designed with plumbers, heating engineers and gas fitters in mind.

Choose from:

  • Public liability insurance
  • Employers’ liability insurance
  • Optional extras including cover for your tools and equipment
  • Plus van insurance

Bricklayers’ insurance

Bricklaying might not seem as dangerous as other construction jobs like electrical contracting and plumbing, but accidents and injuries happen to bricklayers. And that means compensation claims happen too.

Whether a claim is made by a member of the public or your own employee, it’ll be you that’s held responsible and faced with a claim for compensation.

But with business insurance from AXA, we’ll help support your business – and give you the peace of mind to get on with your job.

Choose from:

  • Public liability insurance
  • Employers’ liability insurance
  • Optional extras including cover for your tools and equipment
  • Plus van insurance

Plasterers and dry lining contractors’ insurance

Plastering walls and ceilings may not seem like the most hazardous job in the world, but accidents can – and do – happen. From spilling plaster on your customer’s carpet, to your employee falling and injuring themselves, there’s a lot that could go wrong.

But with business insurance for plasterers and dry lining contractors, you can get the protection you need for your business – and the peace of mind you need to get on with your job.

Choose from:

  • Public liability insurance
  • Employers’ liability insurance
  • Optional extras including cover for your tools and equipment
  • Plus van insurance

*Based on an AXA Business Insurance survey of 2000 consumers and 320 tradesmen in the UK conducted in November 2015

**Based on AXA public liability claims made in 2015

Underwritten by AXA Insurance UK plc. Terms, conditions, eligibility and exclusions apply.