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Business Insurance for Tradespeople

If you're in the trades industry, this insurance policy is tailor-made for you.

Small business insurance the way you want it: clear, affordable and on your terms.

What insurance is available for my trades business?

Why choose Lukango?

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We get that every business is unique

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We make insurance easy to understand

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Affordable insurance through Markel Direct

Discover the essential insurance for tradespeople that can safeguard your small business success.

In the busy world of trades, your thriving trades business is not immune to uncertainties and risks. Whether you're a builder, mechanic, or any other tradesperson, there are various challenges that can disrupt your company's operations and impact its profitability.

For example, what if your valuable tools and equipment are stolen, or a customer files a large liability claim that threatens the start of your next job?

We get the importance of comprehensive protection for trades businesses like yours. Our specialised Trades insurance policy is designed to offer coverage for a wide range of unexpected events and liabilities that can arise in the trades industry.

Our policy provides the peace of mind you need, knowing that your trades business is covered from financial losses and potential legal issues. With Trades insurance on your side, you can focus on growing your business without worrying about the what-ifs.

Don't let your trades business be vulnerable to unforeseen events. Contact us today to learn more about how Trades insurance can help safeguard your business and contribute to its long-term success.

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What trades business insurance should I consider?

Running a successful trades business is no small feat, and there's more at stake than meets the eye. From safeguarding your valuable equipment and tools to covering liability claims, insurance is essential to protecting your trades business.

Imagine the impact of a disaster like a fire or flood damaging your warehouse or store, leaving you with significant repair costs and lost income due to business interruption. Or, in the unfortunate event of an accident taking place on your premises, you could face a large lawsuit that could have severe financial consequences.

Choose trades insurance – your trusted partner in protecting your business and ensuring its continued success.

Here are a few of the things Lukango trades cover could protect you from:

  • The public is injured from your business activities
  • Your equipment is damaged or stolen
  • Your employee is injured or gets ill through work
  • You give inaccurate professional trades advice
  • Your business is the victim of a cybercrime

To protect your business from these risks, it's essential to have comprehensive trades insurance coverage. Find out more about insurance for your trades business below, or click here to get a quote

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What insurance is available for my trades business?

Explore a range of comprehensive coverage options tailored specifically for businesses like yours:

  • Public Liability Insurance: Cover for accidental injury or property damage of a third party caused by your business activities.
  • Business Equipment Insurance: Protects your tools or business equipment in case of theft, loss or damage.
  • Employers’ Liability Insurance: If your business has employees, then this is a legal requirement to cover against claims made by employees for illness or injury caused by their work.
  • Legal expenses: Cover for the cost of legal support needed after a claim is made against you. It could get you money for unexpected legal costs and access to legal advice and representation if you need it.
  • Professional indemnity: Cover that is designed to cover legal costs and damages that arise from that claim because of professional mistakes or errors made. If you give professional trades advice as part of what you do, this one should be considered.
  • Cyber & data risks: Insurance that gives you cover against data breaches or malicious cyber hacks that affect either your tech systems or business. Think hacks, phishing, and cyber attacks.
  • Directors & Officers Insurance: Cover that protects the individuals who have jobs as directors, partners or managing directors of your business. This covers them from personal financial losses if they are sued for wrongful acts.
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        Frequently asked questions about trade insurance

        • What types of trades are covered under Trades insurance?

          Trades Insurance provides coverage for a wide range of trades and professions in the UK. Whether you're a builder, electrician, plumber, decorator, or any other tradesperson, a tailored insurance policy that meets your specific needs and requirements is a good thing to have.

        • What does Trades insurance typically cover?

          Trades Insurance offers comprehensive coverage for various aspects of your trades business. This can include protection for your tools, equipment, and materials against theft, damage, or loss. It can also provide coverage for public liability, employer's liability, and legal costs for claims made against you due to unforeseen events.

        • How much does Trades insurance cost?

          The cost of Trades insurance can vary depending on several factors, such as the nature of your trade, the size of your business, and the coverage limits you require. Lukango has partnered with one of the UK’s leading business insurance providers, Markel Direct, to offer customers jargon-free, tailored small business insurance.

          It's best to contact our team for a personalised quote tailored to your specific needs and circumstances.

        • Can I add additional coverage to my Trades insurance policy?

          We understand that every tradesperson's needs are unique. That's why we offer the flexibility to add additional coverage options to your Trades insurance policy. Whether you need professional indemnity insurance, business equipment cover, or other specialised coverage, we can help tailor a policy to your requirements.

        • Is Trades insurance mandatory for tradespeople in the UK?

          While Trades insurance is not legally required for all tradespeople in the UK, it is highly recommended. Having adequate insurance coverage can protect your business from unexpected events and potential financial losses. Additionally, some clients and contracts may require you to have specific insurance coverage in place before working with them.