TRADES INSURANCE SPECIALISTS

Trades Insurance built for how you work.

From sole traders to growing teams, we provide specialist trades insurance that protects your business, your tools and your reputation.

We compare leading UK insurers to find the right cover at the right price.

FCA RegulatedFRN 1034795 · UK
UK Specialist InsurersTrade experts
Tailored CoverMatched to your trade
Claims SupportIncluded as standard
Get a trades insurance quote → Speak to a specialist
★★★★★ Rated 4.8/5 from 1,400+ reviews
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COVER FOR EVERY TRADE

Specialist insurance for all trades and contractors.

Choose your trade to explore tailored cover options.

Builders Insurance
Comprehensive cover for builders and general contractors.
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Electricians Insurance
Cover for electricians, domestic and commercial.
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Plumbers Insurance
Protection for plumbers and heating engineers.
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Carpenters Insurance
Insurance for carpenters and joinery professionals.
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Roofers Insurance
Specialist cover for roofing contractors.
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Painters & Decorators
Insurance for painters, decorators and wallpapers.
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Plasterers Insurance
Cover for plasterers and dry lining specialists.
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Groundworkers Insurance
Insurance for groundworks, diggers and excavations.
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Tilers Insurance
Cover for wall and floor tilers and mosaic specialists.
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Landscapers Insurance
Protection for landscape gardeners and groundsmen.
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Fencers Insurance
Insurance for fencing contractors and installers.
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View all trades
See all the trades we cover and find the right insurance.
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WHY TRADES CHOOSE RAGADO

Insurance that works as hard as you do.

Trade-Specific Cover

Policies designed around the real risks of your trade.

Tools & Equipment

Cover for your tools, plant and essential equipment.

Contract Works

Protection for work in progress and off-site jobs.

Fast, Hassle-Free

Quick quotes, simple setup and ongoing support.

COVER THAT GROWS WITH YOU

From sole trader to growing business.

  • Sole traders and partnerships
  • Employers' liability included
  • Public liability up to £10m
  • Tools, plant and equipment cover
  • Contract works and materials
  • Optional van and commercial vehicle cover
★★★★★

"Ragado found us the right cover for our team and tools. Great service and a great price."

— Mark R., Carpentry Business
HOW IT WORKS

Get covered in 4 simple steps.

1
Tell us about your business

Answer a few quick questions about your trade and work.

2
We compare insurers

We compare specialist insurers to find the right cover and best price.

3
Receive your quote

Get your tailored quote instantly with clear cover details.

4
You're covered

Buy online or speak to our team and get your certificate straight away.

Get my quote now →
MORE THAN JUST INSURANCE

Expert support for tradespeople.

Expert Advice

Specialist UK advisers who understand your trade.

Claims Support

We're here to help if you need to make a claim.

Renewal Reviews

We review your cover to make sure it stays right.

Ongoing Support

Support that grows with your business.

FREQUENTLY ASKED QUESTIONS

Trades Insurance FAQs

Trades insurance is a package of covers designed specifically for skilled tradespeople — typically combining public liability, employers' liability, tools cover and contract works into one policy tailored to your trade.
Yes, if you employ anyone — including part-time, temporary or casual workers. Under the Employers' Liability (Compulsory Insurance) Act 1969, you must have at least £5m of cover. Fines of up to £2,500 per day apply for non-compliance.
Public Liability isn't a legal requirement for most trades, but most clients, contracts and site access require it. Cover from £1m to £10m is available depending on your work and contract requirements.
Tools cover can be added to your trades policy. It covers theft from vehicles, on-site theft and accidental damage to your tools and equipment. We'll ensure your tools value is accurately covered.
Yes. We can arrange cover whether you work directly for the public, for main contractors or a mix of both. Sub-contracting arrangements can affect your cover requirements — we'll make sure yours is set up correctly.

Protect your trade. Protect your business.

Get tailored trades insurance that works as hard as you do.

Get a trades insurance quote → Speak to a specialist