Appetite guide/Tradesman's Liability
Broker appetite guideTradesman's Liability
Public and products liability for tradespeople, with employers’ liability when it is needed.
Last reviewed 23/10/2026
Who it’s for
BuildersElectriciansPlumbersCarpenters & JoinersPainters & DecoratorsMulti-Trade Contractors
Headline limits
Annual turnoverUp to £500,000
Public & products liability£1m / £2m / £5m
People coveredUp to 10
Employers’ liability£10,000,000 (optional)
What we’re happy to write
- A wide range of trades on the Tradesman trade list — more than one trade can be selected on one quote
- Businesses trading for 2 years or more, or with 2 years’ experience in the trade
- Treatment cover for beauticians, hairdressers and nail technicians
- Risks in the Channel Islands and the Isle of Man
What we can’t write
- ✕Risks in Northern Ireland (BT postcodes)
- ✕Businesses with previous claims declared
- ✕Businesses with adverse credit history
- ✕Businesses whose insurance has previously been cancelled or voided
- ✕Less than 2 years trading and less than 2 years’ experience in the trade
- ✕Trades not available online, including Asphalt Surface Contractors, Ceiling Contractors, Drain Cleaners, Drilling Contractors, Ductwork Installers, Formwork & Shuttering Contractors, Groundworkers to 3 Metres Depth, Hod Carriers, Pipe Fitters, Solar Panel Installers, Sprinkler Installers, Alarm Installers and Welding Contractors
Needs an underwriter to review
- !Some risks need an underwriter to look at them before terms are released — the portal tells you straight away when that happens.
Have this information ready
- •Every trade carried out, the annual turnover and the number of people to be covered
- •The public liability limit needed, and whether employers’ liability is needed (and for how many people)
- •For treatment trades: the treatments carried out
This guide is a summary of our appetite and is not a statement of policy terms. Every risk is subject to underwriting and the policy wording.