Tradesman Insurance

You and Your Business

Your Details Title:

First name(s): Surname: Date of birth: / / Preferred phone number: Enter a valid UK phone number

We will use this email address to send you your quote and policy confirmation, so please make sure you enter an email address you use regularly, and check the spelling carefully.

We automatically create an online account for you when you get a quote, so you can retrieve your quote information later and access your policy information. This email address will be your username for your account.

Email: Enter a valid email address Cover Details

Covers claims if your business accidentally causes injury, death, or property damage. Public Liability covers your work and activities, while Products liability covers goods you supply. Choose a limit that reflects your potential risk, see policy wording for full details.

Public and products liability cover:

What is your main trade? * Select your main trade

Tell us about any other trade you carry out so we can make sure you have the right level of cover. If you carry out more than two trades, please call us on 0800 0280 380 and we will provide you with a quote over the phone.

Do you have an additional trade?

* Tell us if you have an additional trade Additional trade: Cover start date:

* Select your cover start date Claims & Experience Years experience in main trade:

Have you made any claims on your business insurance in the last 5 years?

Your Business and Manual Workers Company or 'Trading As' name: Business address:

enter manually ✎

Valid Zone Business type and employees:

Labour-Only Sub-Contractor (LOSC)
A Labour-only subcontractor usually works under your direction, use your materials, is paid regularly, and do not have their own Public Liability insurance. In terms of insurance a LOSC counts as one of your employees, unless they are a trainee.
A worker is likely an LOSC if they:

Are paid daily, weekly, or monthly
Work under your instruction
Use materials you provide
Do the work themselves
Can work overtime

On-Site Supervisors
On-Site Supervisors are counted as manual workers and should be included when selecting the number of employees.

Clerical Staff
Clerical staff are usually office-based people who don’t do any manual labour.

Employees: Trainees: Clerical / admin staff:

A Bona fide subcontractor is an independent contractor who works under your direction, but supplies their own materials and has their own Public liability insurance. They are generally not classed as employees in insurance purposes.
A worker is likely bona fide if they:

Agreed a fixed price for the job
Pay for their own materials
Have their own Public Liability insurance
Can hire others to do the work
Decide how, when, and where the work is done

Do you employ Bona Fide sub contractors?

In order to help those who have suffered injury or disease in the workplace identify the relevant Employers' Liability insurer quickly and efficiently, it is now a regulatory requirement for all insurers to supply a unique identifier to the Employers' Liability Tracing Office for their database. If you are purchasing Employers' Liability cover, and operate a Pay As You Earn (PAYE) scheme, please supply your Employee Reference Number (Payroll Number) below.

If you do not have this available at the moment, then please proceed to purchase cover, and one of our representatives will contact you shortly to obtain this.

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