Tradesman Insurance

We know ‘the trade’ is made up of many different professions and you can’t compare trades like-for-like. That’s why we don’t try and squeeze you all into the same box, instead we provide bespoke cover for tradesmen in a wide range of industries including builders, carpenters, contractors, cottage industries, plumbers, painters, electricians, roofers, scaffolders and engineers.

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We get to know you and your business

Our highly skilled team has the knowledge, expertise and dedication to assess your risks and find a policy that mitigates them. Our insurance protection includes Public Liability, Employers Liability, Tools (including overnight cover in a vehicle), Own or Hired Plant and Contract Works.

We’ve developed excellent relationships with an extensive panel of insurers, from AXA to Zurich, as well as exclusive niche insurers. Whatever your trade, we provide excellent levels of insurance cover at a competitive price and we have the ability to price match with many leading insurers.

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Exceptional claims management when you need it most

We know time not working equals time not earning.  So should the unexpected happen, and you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need, get your claim settled quickly and smoothly and recover your losses. So you can keep your business running with the minimum of disruption.

For bespoke advice, award-winning underwriting and exceptional claims management, it has to be Higos.

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For independent advice or a quotation for your business

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Our Tradesman cover includes:

As well as being able to insure your general commercial risks (such as buildings, contents and liability), we can cover risks specific to your business, such as:

  • Public Liability up to £5,000,000
  • Employers Liability - £10,000,000
  • Tools including overnight cover in a vehicle up to £5,000 (Single article limit £500)
  • Own Plant up to £50,000 (Single article limit £10,000)
  • Hired In Plant up to £50,000 (Single article limit £10,00)
  • Contract Works up to £500,000
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Free mid-term review

Even if your policy isn’t due for renewal now, we’d be happy to offer you a free, no obligation assessment of your current levels of cover.

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