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What is Personal Accident Insurance?

What would you do if you had an accident and were unable to work? This question is obviously more important for self-employed trades people than most other professions. If you can’t physically work, then you will be unable to earn money and given the nature of the work you undertake accidents can happen.


Personal Accident cover provides protection for this, paying out compensation if you suffer from a serious injury or death as a result of an accident. The compensation can help protect against loss of income and help with other bills and expenses whilst you are unable to work.

Personal Accident Cover

  • Payment of up to £50,000 in the event of an accident
  • Your choice of three different levels of cover
  • Monthly or annual payment options
  • Premium starting from under £8 per month
  • Instant cover with documents immediately

tradesman public liability insurance

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Nuts & Bolts

What does Personal Accident Insurance Cover?

The Policy provides a lump sum payment at the chosen limit of indemnity (up to £50,000) in the event of an accident which causes bodily injury, including:

  • Permanent total disablement
  • Quadriplegia
  • Paraplegia
  • Permanent brain damage
  • Loss of speech
  • Loss of hearing
  • Use of a shoulder, elbow, thumb, finger or toe
  • Burns
  • Fractures
  • Loss of sight
  • Loss of limbs
  • Accidental death

As with any insurance Policy some things are not covered, including accidents that occur:

  • When you are riding a motorcycle, moped or scooter (as driver or passenger)
  • Rock climbing or mountaineering
  • Suicide or self-inflicted injuries
  • Where you are under the influence of alcohol or drugs
  • Illegal acts
  • Flying, accept as a fair paying passenger
  • Competing in a race other than on foot or whilst swimming
  • Where the accident occurs in a country that you have been advised not to travel to or avoid by the Foreign and Commonwealth Office.

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Legal Expenses Insurance

As a self-employed tradesman, you may come up against a range of legal risks, particularly contract disputes and debt recovery. With access to legal assistance, you don’t have to let things slide, and can get the defence you need without worrying about the fees...


Tools in Transit Insurance

Your tools are important for getting the work done. This policy is perfect for tradesmen who regularly carry tools in their vehicle, and rely on the tools to earn an income...


​Tradesman we cover

Building Contractors

Building Contractors

Building Contractors

Installers, fitters & gardeners

Building Contractors

Electrical contractors

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