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.

• I’m a sole trader plumber, do I need business insurance?

  Are you in the trades business as a plumber, electrician, or carpenter? Ensure the safety and security of your trade with crafted insurance solutions from Lukango. We understand the unique risks and challenges these industries face and offer comprehensive coverage specifically designed for trades businesses like yours. From liability insurance to protect against accidents to equipment coverage ensuring the safety of your tools, Lukango has you covered. Don't let unexpected events drain your resources – get a quote today and enjoy peace of mind knowing that your trade business is adequately protected. Partner with Lukango and focus on what you do best, while we take care of your insurance needs.

• What types of trades businesses are covered by Lukango's insurance policies?

  Lukango offers insurance solutions tailored to a wide range of trades businesses, including plumbers, electricians, carpenters, HVAC technicians, painters, and more. Whether you work independently or operate a small team, our insurance policies are designed to meet the unique needs of trades professionals.

• What types of coverage are included in Lukango's trades insurance policies?

  Our trades insurance policies typically include public liability insurance, which protects against third-party claims for bodily injury or property damage. We also offer coverage for tools and equipment, business interruption, and employer's liability insurance. Each policy can be customised to suit the specific requirements of your trades business.

• How can I get a quote for trades insurance from Lukango?

  Getting a quote for trades insurance from Lukango is quick and easy. Simply click the Get Quote button at the top of this page, fill out the online quote form with your business details, and you’ll have a quote within a few minutes that is competitively priced and easy to understand.