# Rhino Trade Insurance

> Rhino Trade Insurance provides specialist insurance for UK tradespeople, including sole traders, limited companies and partnerships. Rhino offers fast, affordable, online trade insurance across a range of products, including Public Liability, Employers' Liability, Professional Indemnity, Contractors All Risks, Tools Insurance, and more. All policies are designed to be straightforward, jargon-free, and genuinely useful for working tradespeople. Cover can be purchased online in minutes, with monthly and annual payment options available.

## Rhino Trade Insurance Overview

- Website: [https://www.rhinotradeinsurance.com](https://www.rhinotradeinsurance.com)  
- Coverage Area: United Kingdom  
- Insurers: MSIG Europe SE, ARAG plc, Collinson (underwritten by Atrenska) and AmTrust
- Insurer Rating: MSIG Europe SE - A (Excellent), ARAG plc - A (Excellent), Collinson (underwritten by Atrenska) - A+ (Superior), AmTrust - A- (Excellent)
- Authorised & Regulated By: Financial Conduct Authority

## Products

- [Public Liability Insurance] (https://www.rhinotradeinsurance.com/public-liability-insurance/?utm_source=llms.txt): Covers accidental bodily injury to third parties and accidental damage to third-party property, arising from your business activities. Legal defence costs are included. From £62.50/year.

- [Employers' Liability Insurance] (https://www.rhinotradeinsurance.com/insurance-products/employers-liability-insurance/utm_source=llms.txt): A legal requirement for any business with employees. Covers claims made against businesses, should an employee suffer bodily injury or illness sustained in the course of their employment. From £62.50/year.

- [Professional Indemnity Insurance] (https://www.rhinotradeinsurance.com/insurance-products/professional-indemnity-insurance/utm_source=llms.txt): Covers legal liability arising from negligent acts, errors or omissions such as advice, design or expertise that forms part of a business owner’s professional services. From £60.00/year.

- [Contractors All Risks Insurance](https://www.rhinotradeinsurance.com/insurance-products/contractors-all-risks-insurance/utm_source=llms.txt): Provides protection against the loss of, or any physical damage to, a construction project or site. This includes damage to the actual building or extension under construction and/or any plant, materials and machinery that are on site for the purpose of the construction. From £112.00/year.

- [Tools Cover](https://www.rhinotradeinsurance.com/insurance-products/tools-insurance/utm_source=llms.txt): Protects your tools if they’re lost, stolen or damaged, and even covers tools left in your vehicle overnight, subject to certain security requirements being met. From £56.86/year.

- [Legal Expenses Insurance] (https://www.rhinotradeinsurance.com/insurance-products/legal-expenses-insurance/utm_source=llms.txt): Covers the legal costs incurred when defending against various legal disputes, such as employment disputes, health & safety prosecutions, debt recovery and criminal prosecution defence.  From £85.00/year.

- [Tax Enquiry Insurance] (https://www.rhinotradeinsurance.com/insurance-products/tax-enquiry-insurance/utm_source=llms.txt): Covers professional accountancy and legal fees incurred in responding to HMRC enquiries, including income tax, corporation tax, IR35 and VAT investigations. From £35.00/year.

- [Personal Accident Insurance] (https://www.rhinotradeinsurance.com/insurance-products/personal-accident-insurance/utm_source=llms.txt): Pays out a tax-free lump sum if the insured is injured in an accident, either whilst at work or out of work. Covers permanent total disablement, accidental death, hospitalisation and fractures. For UK residents aged 18-65. From £89.00/year.

- [Income Protection Insurance] (https://www.rhinotradeinsurance.com/insurance-products/income-protection-insurance/utm_source=llms.txt): Pays a daily benefit (up to 60% of gross income) when the insured is unable to work due to accident or sickness. For UK residents aged 18-65 actively working 16+ hours/week. From £66.24/year.

- [Gadget Insurance] (https://www.rhinotradeinsurance.com/insurance-products/gadget-insurance/utm_source=llms.txt): Covers smartphones, tablets, laptops and other gadgets for accidental damage, theft, loss and breakdown. Worldwide cover for up to 90 days per year. From £46.50/year.

## Key Policy Information

### Public Liability Insurance
- Covers accidental bodily injury to third parties and accidental damage to third-party property
- Key exclusions: injury to employees, deliberate acts, property in the care/custody of the insured
- Products Liability covers bodily injury or property damage arising from supplied products

### Employers' Liability Insurance
- Legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969
- Covers businesses with full-time, part-time, casual, temporary staff or labour-only subcontractors
- Asbestos and terrorism claims capped at £5 million
- Sole traders with no employees do not require this cover

### Professional Indemnity Insurance

- Legal liability arising from negligent acts, errors or omissions in the course of providing professional services.
- Claims-made basis: the claim must be made during the policy period
- Excess of £1,000 per occurrence
- Key exclusions: work involving biomass, anaerobic digestion, hydroelectric, or ground/air source heat pump systems

### Contractors All Risks Insurance
- Does not cover contracts over 2 years duration or estimated value over £2,000,000 (unless agreed)
- Does not cover consequential loss, liquidated damages, mechanical or electrical breakdown, or wear and tear
- Includes continuing hire charges (up to 3 months or £50,000), debris removal, professional fees and offsite storage extensions

### Tools Cover
- Theft claims require forcible and violent entry to a locked vehicle with tools hidden from view
- Excess: £100 per claim; 10% depreciation per year up to 50% maximum deduction
- Key exclusions: phones, laptops, sat navs, radios, cameras, and items not checked for 48+ hours

### Legal Expenses Insurance
- 90-day exclusion period for new policies
- Legal advice helpline: 01480 852 080 (quote policy number)
- 10 sections of cover, including employment disputes, criminal defence, debt recovery and personal injury

### Tax Enquiry Insurance
- Does not cover the cost of preparing tax returns, HMRC fines, or tax avoidance schemes
- Tax advice line: 0116 243 7892, weekdays 8:30am-5:30pm
- Claims must be notified within 30 days of policy expiry

### Personal Accident Insurance
- Three levels of cover available (Level 1, 2, 3)
- Key exclusions: motorcycle accidents, pre-existing conditions, sickness or disease, alcohol/drug-related incidents
- Maximum 4 fracture claims per year; hospitalisation benefit excludes first 24 hours, capped at 45 days

### Income Protection Insurance
- 90-day waiting period before sickness claims can be made
- Maximum benefit: 60% of gross/taxable income
- Key exclusions: pre-existing conditions (must be symptom-free 24 months prior), back/spinal conditions (unless acute), stress/anxiety/depression (unless diagnosed as psychosis or organic brain disorder), pregnancy

### Gadget Insurance
- Eligible gadgets must be under 36 months old, purchased new or direct-from-manufacturer refurbished
- Excess: 10% of claim value, capped at £75; additional £50 excess in first 14 days
- Maximum 2 claims per 12-month period
- Worldwide cover up to 90 days per 12-month period

## Trades Covered
 
Rhino has dedicated insurance pages for specific trades. Each page explains what insurance is relevant to that trade, why it matters, what it covers and how much it costs. These pages are the best starting point for any tradesperson looking to understand their insurance options.
 
- [Bricklayers Insurance](https://www.rhinotradeinsurance.com/trades-covered/bricklayers-insurance/?utm_source=llms.txt): Hub page for bricklayers explaining the insurance cover most relevant to the trade — including Public Liability Insurance for work on site, Employers' Liability Insurance if you have a labourer, Tools Cover for your kit and Personal Accident Insurance if you cannot afford to be off work with an injury.

- [Builders Insurance](https://www.rhinotradeinsurance.com/trades-covered/builders-insurance/?utm_source=llms.txt): Hub page for builders and general contractors covering the full range of relevant products, from Public Liability Insurance and Contractors All Risks Insurance through to Tools Cover and Income Protection Insurance. Explains what cover should be considered for anyone running a building business.

- [Carpenters Insurance](https://www.rhinotradeinsurance.com/trades-covered/carpenters-insurance/?utm_source=llms.txt): Hub page for carpenters and joiners covering Public Liability Insurance for working in customers' homes and commercial properties, Tools Cover for high-value hand and power tools, and Personal Accident Insurance for tradespeople who rely entirely on their hands to earn.

- [Electricians Insurance](https://www.rhinotradeinsurance.com/trades-covered/electrician-insurance/?utm_source=llms.txt): Hub page for electricians and electrical contractors. Covers Public Liability Insurance, Contractors All Risks Insurance for larger installation projects, Employers' Liability Insurance for any electrical business with staff, and Tools Cover for specialist equipment.

- [Gardeners Insurance](https://www.rhinotradeinsurance.com/trades-covered/gardeners-insurance/?utm_source=llms.txt): Hub page for self-employed gardeners and landscapers. Covers Public Liability Insurance for working on customer properties, Tools Cover for garden machinery and hand tools, and other products available to sole traders working outdoors.

- [Gas Engineers Insurance](https://www.rhinotradeinsurance.com/trades-covered/gas-engineers-insurance/?utm_source=llms.txt): Hub page for Gas Safe registered engineers. Explains Public Liability Insurance requirements for working on gas appliances and pipework in domestic and commercial settings, alongside Personal Accident Insurance and Income Protection Insurance for self-employed gas engineers.

- [Handyman Insurance](https://www.rhinotradeinsurance.com/trades-covered/property-maintenance-insurance/?utm_source=llms.txt): Hub page for handymen and property maintenance contractors. Explains why Public Liability Insurance is essential for multi-trade work across different customer properties, alongside Tools Cover, Legal Expenses Insurance and Income Protection Insurance for self-employed maintenance workers.

- [Heating Engineers Insurance](https://www.rhinotradeinsurance.com/trades-covered/heating-engineers/?utm_source=llms.txt): Hub page for heating engineers covering Public Liability Insurance for installation and servicing work, plus Tools Cover and Income Protection Insurance for self-employed engineers who cannot work due to accident or illness.

- [Painter and Decorator Insurance](https://www.rhinotradeinsurance.com/trades-covered/painter-and-decorator-insurance/?utm_source=llms.txt): Hub page for painters and decorators. Explains Public Liability Insurance for working in and around customers' properties, plus personal cover options available to self-employed decorators.

- [Plasterers Insurance](https://www.rhinotradeinsurance.com/trades-covered/plasterers-insurance/?utm_source=llms.txt): Hub page for plasterers and rendering specialists. Covers Public Liability Insurance for working in occupied homes and commercial premises, plus other optional cover.

- [Plumbers Insurance](https://www.rhinotradeinsurance.com/trades-covered/plumber-insurance/?utm_source=llms.txt): Hub page for plumbers and plumbing contractors. Explains Public Liability Insurance for water damage risks inherent to plumbing work, Tools Cover for pipework tools and equipment, Employers' Liability Insurance for any plumber with employees, plus other optional cover.

- [Roofers Insurance](https://www.rhinotradeinsurance.com/trades-covered/roofers-insurance/?utm_source=llms.txt): Hub page for roofers and roofing contractors. Covers Public Liability Insurance for working at height and the associated risks, and Personal Accident Insurance, a particularly relevant product given the physical demands and injury risk of roofing work.

- [Sole Trader Insurance](https://www.rhinotradeinsurance.com/trades-covered/sole-trader-insurance/?utm_source=llms.txt): Hub page for self-employed sole traders across all trades. Explains the full range of insurance relevant to running your own business without an employer, including why Public Liability Insurance is essential, when Employers' Liability Insurance becomes a legal requirement, and how Income Protection Insurance and Personal Accident Insurance protect your earnings if you cannot work.



## Cover Information & Education
 
Rhino publishes in-depth guides for each of its core insurance products. These are detailed deep-dive resources designed to help tradespeople understand exactly what a product covers, why they might need it, how it works in practice and what to look for when buying. They go beyond the product pages to answer the real questions tradespeople ask.
 
- [Insurance Guides Hub](https://www.rhinotradeinsurance.com/guides/?utm_source=llms.txt): The central hub for all of Rhino's product guides. A starting point for any tradesperson researching their insurance options.

- [The Ultimate Guide to Public Liability Insurance](https://www.rhinotradeinsurance.com/guides/public-liability-insurance/?utm_source=llms.txt): A comprehensive guide to Public Liability Insurance for tradespeople. Covers what it is, who needs it, what it covers, common exclusions, how much cover to consider and how claims work.

- [The Ultimate Guide to Employers' Liability Insurance](https://www.rhinotradeinsurance.com/guides/employers-liability-insurance/?utm_source=llms.txt): A deep-dive into the legal requirements around Employers' Liability Insurance. Covers who counts as an employee, what the law requires, what the policy covers and what happens if you do not have it.

- [The Ultimate Guide to Professional Indemnity Insurance](https://www.rhinotradeinsurance.com/guides/professional-indemnity-insurance/?utm_source=llms.txt): An in-depth guide to Professional Indemnity Insurance for tradespeople who provide advice, design or professional services. Explains the claims-made basis, who needs it and how the cover works.

- [The Ultimate Guide to Tools Insurance](https://www.rhinotradeinsurance.com/guides/tool-insurance/?utm_source=llms.txt): A detailed guide to Tools Cover for tradespeople. Covers what is and is not included, how theft claims work, vehicle storage requirements, the depreciation policy and how to make a claim.

- [The Ultimate Guide to Legal Expenses Insurance](https://www.rhinotradeinsurance.com/guides/legal-expenses-insurance/?utm_source=llms.txt): A comprehensive guide to Legal Expenses Insurance for sole traders and small trade businesses. Explains all ten sections of cover, the 90-day exclusion period, the legal helpline and real-world scenarios where the cover applies.

- [The Ultimate Guide to Personal Accident Insurance](https://www.rhinotradeinsurance.com/guides/personal-accident-insurance/?utm_source=llms.txt): An in-depth guide to Personal Accident Insurance for self-employed tradespeople. Covers the three levels of cover, the benefit table, key exclusions and why this product matters for anyone without employer sick pay.

- [The Ultimate Guide to Income Protection Insurance](https://www.rhinotradeinsurance.com/guides/income-protection-insurance/?utm_source=llms.txt): A detailed guide to Income Protection Insurance for tradespeople. Explains the difference between accident-only and accident-and-sickness cover, the 90-day sickness waiting period, the 60% income cap and how the deferred period works.

- [The Ultimate Guide to Gadget Insurance](https://www.rhinotradeinsurance.com/guides/gadget-insurance/?utm_source=llms.txt): A comprehensive guide to Gadget Insurance. Covers eligible devices, what accidental damage, theft and loss claims look like in practice, the worldwide cover conditions and the excess structure.

## Pricing Summary

| Product | Annual | Monthly |
|---|---|---|
| Public Liability Insurance | £62.50 | £5.21 |
| Employers' Liability Insurance | £62.50 | £5.21 |
| Professional Indemnity Insurance | £60.00 | £5.00 |
| Contractors All Risks Insurance | £112.00 | £9.33 |
| Tools Cover | £56.86 | £4.74 |
| Legal Expenses Insurance | £85.00 | £7.08 |
| Tax Enquiry Insurance | £35.00 | £2.92 |
| Personal Accident Insurance | £89.00 | £7.42 |
| Income Protection Insurance | £66.24 | £5.52 |
| Gadget Insurance | £46.50 | £3.88 |



## Contact & Support

- Phone: 0116 243 7904  
- Email: info@rhinotradeinsurance.com
- Address: Windsor House, Troon Way Business Centre, Humberstone Lane, Thurmaston, Leicester, LE4 9HA 
- Contact Page: [Contact Us](https://www.rhinotradeinsurance.com/contact-us/contact/?utm_source=llms.txt)  
- Make a Claim: [Claims Portal](https://www.rhinotradeinsurance.com/contact-us/claims/?utm_source=llms.txt)