Self-employed and tradesperson insurance

A tradesman holding a mug whilst sat on a brick wall.

Cover for those without a dedicated business premises

Co‑op Insurance Services introduces you to Miles Smith, a specialist insurance broker.

What is self-employed and tradesperson insurance?

Self-employed and tradesperson insurance protects your business-related legal liabilities and is for people who don’t have a business premises to insure.

Who is self-employed and tradesperson insurance for?

This cover is for business customers who trade from home or from a third-party site that have no business premises to insure.

Self-employed insurance is designed for businesses involved with retail, leisure, construction, and services trades.

To be suitable for this cover you must have minimal stock and business contents cover requirements and a maximum of ten permanent employees.

Self-employed and tradesperson insurance could cover a wide range of self-employed business customers including, but not limited to:

  • builders
  • gardeners
  • painter and decorators
  • cleaners
  • joiners
  • carpenters.

What's covered?

Self-employed insurance cover can include:

  • public liability up to £5m
  • commercial legal expenses up to £500,000
  • business equipment cover including tools up to £20,000.

Cover is subject to terms, conditions, and exclusions. Always check and ensure the cover is suitable for you and your needs.

What extra cover can I add?

You can also add extra cover to build a policy that is right for you.

Extra cover

Maximum cover amount

Business equipment

£20,000

Contractors tools

£10,000

Stock

£5,000

Contract works including own plant and hired plant

£500,000

Personal accident

£50,000

Employers' liability (subject to exclusions and conditions that will be outlined in the policy summary)

up to £10m

Subject to terms, conditions and exclusions that will be outlined in your policy summary. Always check and ensure the cover is suitable for you and your needs.

Existing business insurance customer?

If you're one of our existing customers, we're here to help.

^Call charges may apply. Calls may be monitored or recorded for security and training purposes.

Miles Smith arranges and administers your insurance with their chosen insurance provider.

Miles Smith is a trading name of Specialist Risk Insurance Solutions Limited. Specialist Risk Insurance Solutions Limited is registered in England. Registered office: 6th Floor One America Square 17 Crosswall London EC3N 2LB Company No. 06368755. Specialist Risk Insurance Solutions Limited is authorised and regulated by the Financial Conduct Authority FCA No. 473138.