High Risk Trades Public
Liability Insurance
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Insurance for High-Risk Trades
High risk trades often involve working at height, with power tools, hot works or heavy materials on busy sites. High Risk Trades Insurance helps protect your business if something goes wrong, from injury to a member of the public or a client’s employee to damage to property or loss of key kit, so you can keep jobs moving.
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What is High Risk Trades Insurance?
High Risk Trades Insurance is a package of covers for contractors in higher risk lines of work, such as roofing, scaffolding, demolition and steel or structural work. Public liability is usually at the centre, with options such as tools and equipment cover, contract works and employer’s liability. It is set up to help with the cost of compensation claims, stolen kit and other losses after an insured event.
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Why Choose Business
Compare for your
High Risk Trades Insurance?
Business Compare works with a panel of UK insurers who are used to placing higher risk trades. You enter your details once and see quotes from several providers, then adjust limits, excesses and extras to reflect how you work, the contracts you take on and whether you have staff or subcontractors.
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Online quote form set up for trade and higher risk work -
Quotes from multiple UK business insurers
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Options for sole traders, partnerships and limited companies
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UK based support if you want to talk through your cover
for High-Risk Trades
01
Contract Works Insurance
Helps protect work in progress and materials on site if they are damaged by an insured event before completion or handover.
03
Personal Accident Insurance
Can pay a benefit if you or a key worker are injured in an accident and cannot work for a period of time.
02
Professional Indemnity Insurance
Helps with legal costs and claims if a client alleges your design, specification or advice has caused them a financial loss.
04
Goods in Transit Insurance
Helps cover tools, plant or materials while they are being moved between your premises, storage and job sites.
Type of work and height
Work such as roofing, scaffolding, demolition or structural changes, especially at height, is usually rated higher than lighter or purely internal work.
Sites and contracts
Large commercial sites, big contract values or work on public spaces can cost more to insure than small jobs on standard domestic properties.
Staff, plant and tools
The number of people you employ, the value of your plant and tools, and how they are stored and secured all feed into pricing.
Claims history and cover levels
Any past claims, the limits you choose and the excess you are willing to pay will also move premiums up or down.
High risk work can lead to serious injuries, large property claims and costly delays if something goes wrong on site. A dropped tool, failed fixing or mistake with hot works can damage structures or harm people nearby. Public liability can help with third party compensation claims, tools and contract works cover can help you repair damage and replace stolen kit, and employer’s liability is vital if you have staff, helping you meet your legal duties and deal with employee claims.
Get a High Risk Trades Insurance Quote
Protect your high-risk trade business today by filling in our quick online form. We’ll provide you with competitive quotes from top UK insurers, ensuring that your business is fully covered.
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