Experience
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Construction
Underwriting

Trades & Professions Insurance

Tailored cover for your small business, sole trader and contractor clients working at third party locations or doing clerical work from home.

Flexible protection for smaller businesses

Your self-employed and small business clients need peace of mind their standard risks are covered, but some may also need extra protection. Our Trades and Professions Insurance automatically covers their Public and Products Liability and Legal Expenses. But we can also tailor our policies to include Employers’ Liability, Contract Works, Own Plant, Hired-in Plant, Tools and Business Equipment.

Who we cover

Self-employed tradespeople
Small contractors
Sole trader professionals
Tradespeople undertaking work at 3rd party sites or clerical work from home

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Your client’s cover

Comprehensive, flexible cover for straightforward and stress-free solutions.

Public and Products Liability up to £10,000,000
Employers’ Liability of £10,000,000
Up to 30 metre height and 5 metre depth increased limits considered upon referral (subject to trade)
Indemnity to principles, stated as “Additional Persons Insured”

Extension under Contract Works for Speculative Building
Payments to bona fide subcontractors. Up to 100% of your client’s turnover considered
£1,000,000 of legal expenses provided in the aggregate with an inner limit of £100,000 in respect of any one claim
Per capita policy that can accommodate up to 10 manual workers

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Right for your client?

We’re clear on our risk appetite so you save time finding the right solutions for your clients.

We target...

Bricklayers
Building Contractors
Carpenters & Joiners
Electrical Contractors
Groundworkers & Civil Engineers
Landscape Gardeners
Haulage & Courier Contractors
Cable Contracting
Painting & Decorating Contractors
Plastering & Dry Lining Contractors
Shop & Office Fitting Contractors
Window & Door Installation

We consider...

Cladding Contractors
Diamond Drilling Contractors
Heating and Ventilation Contractors
Boiler and Gas Engineer
Road Surfacing Contractors
Utility Contractors
Plumbers & HVAC Contractors
Hazardous Works and Works in Hazardous locations

We're not the right fit for...

Roofers
Scaffolders
Basement Contractors
Primary Structural Steel Erection
Labour Supply
Piling Contractors
Hazardous Waste Removal
Tree Surgery

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How to trade?

The choice is yours: Three ways to trade with us.

Not yet an Iprism broker?

As an Iprism broker, we promise you an effortless underwriting experience. Flexible products tailored precisely to your clients’ needs. Multiple ways to trade with us. Responsive service from real people with deep specialist knowledge.

Join us for effortless solutions and service that sets the industry benchmark.

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