Insurance for Skilled Trade

Skilled tradespeople are vital in the construction and maintenance sectors. However, such professions naturally come with a high level of risk that’s not associated with less hands-on roles. As a precaution, you need to make sure you have the right insurance to cover you should an accident happen.

At Swinton, our friendly team has years of experience arranging tailored policies for skilled tradespeople, from builders and bricklayers to gardeners and electricians. We can provide everything you need for total peace of mind.

How we can help

  • Public Liability Insurance — from £1 million, with options to extend if required
  • Employers Liability Insurance — £10 million as standard, but can be extended
  • Option to include cover for temporary employees
  • Contractors All Risks cover available to include Hired in Plant & Own Plant cover
  • Optional separate cover for tools or business equipment can also be arranged

Builders’ Insurance

Builders and bricklayers work regularly with heavy materials in both domestic and commercial environments. Despite safety being one of your top priorities, you could face a hefty bill if someone were injured or property is damaged as a result of your work..

Thankfully, we can arrange insurance for builders, helping to provide protection for your business. We can offer Business Insurance to help meet your individual requirements, so you have the comfort of knowing you have cover, should something go wrong.

Electrician Insurance

As a qualified electrician, you’ll have invested years building up both your business and your reputation. If injury or damage occurs as a direct result of the work you have done, legal proceedings could be very costly. That's why it's worth protecting your livelihood with Business Insurance.

At Swinton Business, we can arrange insurance cover for Electricians to help protect your business, so if the worst were to happen, you can rest assured that you have cover in place.

Gardeners’ Insurance

As a gardener, would you be able to afford legal costs if someone made a claim against your business for injury or damage sustained while you were working on their premises? No one likes to think the worst, but the financial implications could be disastrous and may have a serious impact on the future of your business.

Whether you’re a sole trader or run a large landscape gardening firm, you can get a policy that suits your needs and your budget with Swinton Business.


As a skilled joiner or carpenter, you've worked hard to build up your business and reputation, so it's worth ensuring you have the right insurance to help protect yourself and your business. Even if you take all the necessary safety precautions, if someone was injured or property is damaged as a result of your work, you could face a costly legal action.

Swinton Business can arrange business insurance to help meet your needs as a joiner and help to protect your business, should the worst happen.

Painters and decorators

As a painter and decorator, the nature of your job means that you spend your working day on your clients' premises, whether domestic or commercial. If a ladder fell and injured someone or you spill your paint and damage an expensive carpet, you could face an expensive legal action, so it’s worth taking out the right level of cover to help ensure your business is protected.

At Swinton Business, we can arrange insurance for Painters and Decorators, so that you can carry out your work with as little disruption as possible.


As a plasterer, you’ll often work on private properties and construction projects that are valuable to your client — so it’s vital that you’re covered in case any accidents happen.

Thankfully, Plasterers’ Insurance arranged through Swinton Business includes Public Liability Insurance for plasterers as standard. It protects you from the costs of a claim, in the event of an accident or mishap, and includes legal fees and the compensation itself — cover can be arranged from £1 million that can be extended as required.

We’ll also explore any additional cover options you may need, such as separate insurance for tools, when taken with Public Liability Insurance.


Plumbers are exposed to a number of risks on a daily basis, so it’s worth taking out the right protection so you can carry out your duties safe in the knowledge that you’re covered.

You also spend plenty of time on both commercial and residential properties, so it's important to ensure you have protection in place should any damage or injury occur as a result of your work. Whereas resulting legal action could have serious financial implications for your business, Swinton’s liability cover options are designed to pay out the cost on your behalf, keeping your finances intact.

Handyman Insurance

Having Handyman Business Insurance is important if you carry out any property maintenance, home improvement, repairs or gardening work for members of the public in their homes or at commercial premises where the public may be present.

Fortunately, arranging Handyman Insurance is straightforward and can help give you protection and peace of mind if you cause damage to property, or your business is responsible for an accident that leads to a claim for costs against you.

Public Liability Insurance is the nuts and bolts of a handyman business. It’s a common insurance product that many small businesses like yours have, because they deal day-to-day with the public. It means your insurer can cover the costs of repairs and legal fees, should any work you carry out lead to an accident (such as a trip, spill or damage to property) and a claim is made against you.

Business Equipment Insurance can be taken as an optional extra with your main business insurance, such as Public Liability Insurance for Handyman.


As a roofer, you’ll be well aware of the risks associated with your trade, especially those that come with working at heights. However, it’s also worth protecting your business from third-party claims if someone was injured or their property damaged as a result of your work.

At Swinton Business, we can arrange insurance for roofers which can provide the cover you need.

Protect your business

Keeping your business covered for all eventualities is one of the best ways to ensure your future success. Get in touch with the friendly team at Swinton today to find out how you can get the policy that’s right for you.

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