niceic contractors all risk insurance

Other Tradesman Insurance

Insurance for Contractors Working Across a Wide Range of Trades.

Protect yourself and your livelihood with the right insurance at the right price.

Your work may cover multiple trades, or perhaps you're more specialist; either way, you need the right tools in your toolbox, including appropriate insurance. Liability insurance for tradesmen protects against the unexpected – cover that's designed for you.

We're committed to protecting you and your business should the unthinkable happen. Working with a leading specialist insurer, we have negotiated high quality insurance at a competitive price for you.

If you become an NICEIC registered electrical contractor, you'll benefit from a 10% discount on the cost of your insurance. 

Our comprehensive insurance cover for tradesmen

Working with a specialist insurer, we've developed insurance with you in mind. It's comprehensive, flexible, and affordable. If you prefer to do things yourself, you can quickly and conveniently get a quote and buy online.

And, the best bit...

Registered NICEIC contractors get 10% off the cost of their insurance!

88% of our customers would recommend our service

We Offer the Following:**

  • Cover for contract works.

  • Cover for loss or damage to tools and office equipment.

  • Cover for temporary employees up to 50 days per year.

  • Cover for your own plant and hired in plant.

  • Employers liability cover of £10 million.

  • Free 24 hour business legal helpline.

  • Goods in transit.

  • Public liability cover limits – £1 million, £2 million or £5 million available.

The Power Behind Your Business

NICEIC Insurance is here to help you with all your business insurance needs. From tradesman insurance, personal accident and short-term income protection to van insurance and premises insurance – we've got you covered.

Unlike many direct insurers or comparison sites, we're here to provide expert advice. We'll explain the finer details of your plumbing insurance cover, so you know exactly what you're protected for. This should give you peace of mind, leaving you to focus on looking after your customers.

Our support doesn't stop there. We're on-hand to guide you through the process of making changes to your cover – mid-term or at renewal, should your circumstances change. But, if you wish to do things yourself, our customer portal puts you in control. Download your documents, make adjustments and renew your policies online.

And, should the worst happen and you need to make a claim, we will help to make sure it's handled as quickly as possible.

Cover is available for tradesmen working in most domestic, commercial, and industrial premises in Great Britain and Northern Ireland, the Channel Islands, and the Isle of Man. Cover is also provided for temporary work in the EU.

*2 Cover may differ dependent upon insurer. As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

Frequently asked questions

Business insurance is designed to protect businesses when they suffer losses while carrying out their usual activities, and is particularly important if a business finds itself facing a claim for compensation. Typical business insurance cover may include employers' liability insurance, public liability insurance, and professional indemnity insurance. Own plant or hired in plant cover is vital for tradespeople who often use complex plant machinery and equipment. It either covers loss or damage to plant you own or any legal liabilities resulting from loss or damage to plant you have hired in – for instance, compensation due under any hire agreement. That depends on whether you use 'labour-only' or what's known as 'Bona Fide' sub-contractors. Labour only subcontractors work under your direction and typically use tools and materials you provide ‒ and are paid by you or through an employment agency. Bona Fide subcontractors, on the other hand, are paid by the main contractor but work under their own direction and provide their materials and tools. You'll need employers liability insurance if you use labour-only sub-contractors – but Bona Fide sub-contractors are not treated as employees for insurance purposes. This will usually be decided by the main contractor, who will set out in contracts governing your work whether you need to take out public liability insurance and at what level. The main contractor will take out public liability insurance to cover the entire project in some cases. Still, it can be a mistake to assume that this cover will defend against all the public liability risks you face as a subcontractor. The good news is that most contractors business insurance policies available from NICEIC Insurance include public liability cover as standard to give you the extra peace of mind that comes from knowing you are adequately protected. Yes. Simply follow the 'Get A Quote' link, fill out some information about you and your business, and we can generate an online quote tailored to your needs in a matter of minutes. An employee is someone who works part-time or full-time under an employment contract. However, remember that when it comes to employers liability insurance, you may need cover for people you don't consider to be employees – like volunteers, 'labour-only' subcontractors, temporary staff and students on work experience. IPT is a tax levied by the government, which is payable on all general insurance premiums. Professional Indemnity Insurance is a requirement for NICEIC Scheme(s) where the scope of work undertaken includes Periodic Inspection and Testing. This will cover the cost of legal fees and compensation if a client alleges a failure in your professional advice. The good news is that professional indemnity cover is included as standard in most of our contractors insurance solutions, designed to provide comprehensive, flexible cover at an affordable price.

Legal expenses insurance covers legal costs incurred in defending or pursuing specific kinds of civil legal action. It can cover everything from employee contract disputes, Inland Revenue tax investigations, and bad debt recovery to prosecution defence and action against you related to the Data Protection Act 2018.

88% of our customers would recommend our service

Helpful staff over the phone with best price for the level of cover I have requested.

Mr Balazs Balogh
NICEIC Domestic Installer

FREE insurance Health check

Our FREE no-obligation insurance health check will compare the cover, service and price you're currently getting against what we can provide you as a NICEIC member. We'll identify if you're missing out on valuable enhanced benefits – and potentially save you money. We also include electrical vehicle charging installation insurance as standard, at no extra cost.
Registered NICEIC contractors get 10% off!