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5 Reasons Why Self-Employed Tradesmen Need Insurance

Rhino Trade Insurance 07 February 2022

There are many reasons why a tradesman will need insurance cover. Whether it’s due to you having employees, working on a customers site or needing it because of those darn regulations, it always comes in handy at some point (especially if you have a claim made against you). Here at Rhino Trade Insurance, we have a vast catalogue of trade insurance options, all that can be tailored to your business practice and needs. That’s why you should consider us when taking out your next policy. 

5 Reasons Why Tradesmen Need Insurance

When people think about trade insurance, their mind automatically wanders to large-scale construction sites and massive housing developments. People forget about the four million-strong self-employed people in the UK for some reason. They are vital to our economy, and without their work, we’d be up that creek that begins with ‘S’. As a self-employed tradesman working in people’s homes and with third-party companies, you’ll need the right level of cover. “But why do I need trade insurance?” we heard you ask. 

Project Requirements

Many self-employed tradesmen and women in the UK will often work with a general contractor on a site. You could be a plumber drafted in for a day to fit a bathroom, a joiner making a flying visit to do a kitchen worktop or a glazier showing up to make the property watertight. 

Whatever it is, the main contractor will usually have a list of required insurance policies that need to be ticked off before you lift a single tool on site. If you find yourself working on larger-scale sites, the more critical it is to comply with the right level of insurance. 

A common form of project requirement is when you are a tradesperson working with the local councils. Usually, these bodies will require you to be fully accredited and insured to step foot on the job. A council will take absolutely no risks regarding health and safety. 

Law Requirements

This one might seem obvious, but you need specific trade insurance to do your job. The first is related to whether or not you employ any staff and have them working with you on-site. In the UK, you are required by law to hold Employee’s Liability Insurance if you hire staff and have them working with you. 

The reason for this is so that if they are injured, die on duty or cause damage and file a claim against your business. You are covered. 

The second type of insurance required in the UK is Van Insurance. Most self-employed tradesmen in the UK have their own vans, and some even have a fleet (you showoffs). And will need to insure them in case something goes drastically wrong. Fortunately for you, if you take out your policies with Rhino, you could save money and keep your cover all under one roof - simple. 

If you are wondering about the best vans for insurance, then read our latest post now. 

Licensing Requirements

Suppose you are a tradesman or woman looking to get yourself accredited in the UK. Various bodies can award you accreditation depending on your trade, only if you possess the minimum level of trade insurance. 

At Rhino, our most popular and essential type of insurance is Public Liability Insurance. This will protect you in the case of an off-day, you cause damage to a customer’s or third parties property. It also offers protection against injury or death being caused due to the nature of your work. 


The main reason self-employed tradesmen get covered is due to financial implications should something go drastically wrong with their work. As we mentioned above, if you cause damage or injury to a member of the public, they will be able to claim against you or your business, and without the proper level of cover, this could spell financial ruin. 

What’s more, if a self-employed tradesperson isn’t working, they most likely aren’t earning. So another popular form of indemnity is to cover themselves for income loss. If you are sick or injured because of your work, Rhino offers Income Protection Insurance which provides you with a monthly income up to your chosen level of indemnity for a maximum of 12 months. All in all, trade insurance by Rhino is there to serve you at a cost-effective price so that you don’t have to worry if something goes wrong. 

Asset Protection

Money makes the world go round, and similar to protecting yourself and your income, the final reason for considering trade insurance is to protect your assets. For tradesmen, this comes in the form of their tools and equipment. Without these, you’d be in real deep water!

At Rhino Trade Insurance, we designed a whole manner of cover for tradespeople, and our Tools In Transit Insurance is one of the more favoured ones. Could you replace that beautiful Makita drill-set if it was stolen? What about if your entire tool-arsenal got pinched? That’s what this type of cover is for, replacing stolen, lost or damaged items so that you don’t have to worry about the cost. 

Our Tools In Transit Insurance starts at a meer £3.75 a month. An absolute bargain if you need your whole tool kit replaced! 

Why Choose Rhino Trade Insurance?

If the above hasn’t already swayed you, we can go one further. Our prices are among the best on the market for tradesmen and women. We have over 20 years of experience with trades all over the UK. What’s more, our policies are designed to be tailor-made to your trade and your business. 

Our wonderful, helpful and friendly team are based right here in the UK and are available six days a week if you need to speak to somebody. We also possess thousands of top draw reviews from your fellow tradesmen out there. 

If you would like to speak about your next policy, call us on 0116 243 7904 or you can contact our insurance specialists

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