Insurance by trade

Every trade fails in its own way. These pages look at the risks and rules specific to yours.

Builders juggle sites, subcontractors and other people's property. The cover has to keep up with all three.

An electrician's mistake can show up months later as a fire. That delay is what shapes the insurance.

A slow leak can do more damage than a dropped tool. Plumbers need to think about what happens after they leave.

Few trades cost more to insure. Height and heat are the reasons, so read those two clauses first.

Scaffolders work at height for a living and leave a structure behind them. Standard packages often do not fit.

It looks like a low-risk trade. Then a tin of paint goes over a cream carpet, or a ladder slips on a stairwell.

One stone from a strimmer can break a neighbour's window. Machinery is what makes this trade a liability risk.