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GUIDES

Insurance for builders and tradespeople

Most tradespeople need public liability, cover for their tools, and van insurance for business use. If you employ or sub-contract, employers’ liability and contract works cover may also be needed.

Ask Gaia about your situation · Call 020 8805 1555

Tools left in the van

Many policies only cover tools in a locked van at certain times. Check the overnight rules.

Sub-contractors

Labour-only sub-contractors may count as employees for insurance purposes.

Contract works

Covers the work you are building until it is handed over.

Heat and height

Work with heat, at height or on roofs is rated differently. Describe it accurately.

WHAT AFFECTS THE COST
HAVE THIS READY WHEN YOU CALL

193 High St, Ponders End, Enfield EN3 4EA, London · 020 8805 1555 · Mon – Fri 9:00 am – 5:30 pm, Sat & Sun closed · Help in English or Turkish

RELATED COVER
Tradesman InsuranceCover for builders, plumbers, electricians and other trades working on site.Tools InsuranceCovers the tools you rely on against theft and damage, including from your van.Van InsuranceCover for vans used for work, from single vans to small businesses.Contractors All Risks InsuranceProtects the works in progress, materials and plant on a construction project.

More guides: Van insurance: which use do you need?

General guidance only. Cover depends on policy terms, conditions and exclusions.

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