Get a quote - Trades & Contractors

1Before You Start

2About You & Your Business

3Your Work & Experience

4Work Activities & Site Risks

5People & Payroll

6Cover Options & Add-Ons

7Claims & Consent

Thanks for choosing Islands Insurance! Here’s what to know before filling out this form:

This isn’t an instant quote:
We’ll review your details and get back to you with a quote.

Need insurance in the next 48 hours?
Call us or pop in our office so we can help quickly.
Before we begin, please check these are all true for you and your business.

About You and Your Business
1. You (or any business partner/director) haven’t been convicted of a criminal offence that’s still “unspent”, and don’t have any ongoing court cases.
2. You haven’t been declared bankrupt or insolvent, and aren’t involved in any bankruptcy or insolvency proceedings.
3. You haven’t had insurance refused, cancelled, or special terms applied.
About Your Work

Your work doesn’t release fumes, waste water, or anything potentially harmful to people or the environment.

Your work doesn’t use materials or chemicals that could be harmful to health.
Tick this box if all these points are true*

Yes all of this is true

No something doesn’t apply
Contact us for support

Let's get the basics of your business right.

Tell us who the policy will be in the name of and where you’re based.

(If you’re self-employed, don’t worry we’ll ask for your details next.)
Who will this policy be in the name of?*

Private Individual

Company or Association Name
Company or Association name*
Enter your registered or trading name.
Main Contact Name*
Who should we speak to about this quote?
Date Established*
DD slash MM slash YYYY

Email Address*

Phone Number*
Let’s take your details

We just need a few details about you the person taking out the quote.

If you’re applying for a company, this should be the main contact or business owner.
Title*
First Name*
Middle Name(s)
Last Name*
Date of Birth*
DD slash MM slash YYYY

What’s your job title or trade?*
Phone Number*
Email*

Postcode Lookup
Correspondence Address*
Postcode*
Island*
When do you want your cover to start?*
Choose the date you want your insurance to begin. We can’t start cover before today.
DD slash MM slash YYYY

Do you have a budget or target price in mind?
This helps us match your expectations. It’s fine if you’re not sure you can skip this.
Who’s your current or most recent insurer?
Current premium (if any)
What type of business are you?*

Tell us about your work

We just need a few details about the kind of trade you do and your experience.

If you work across more than one trade, you can add another after this one.
Your trades

What’s your main trade? Actions

There are no Trades.

Maximum number of trades reached.

Do you ever work more than 10 metres above the ground?*

Yes

No
What’s the maximum height you work at? (metres)*
Do you ever work deeper than 2 metres below ground?*
For example, in trenches, basements, or excavation work. If yes, tell us the maximum depth next.

Yes

No
What’s the maximum depth you work at? (metres)*
Do you carry out any tree felling?*
Say “Yes” if any of your work involves cutting down or removing trees, not just trimming or gardening.

Yes

No
Do you use any heat-producing tools or equipment?*
For example, welding tools, blowtorches, or heat guns.

Yes

No

Let’s talk about the people in your business

These questions help us understand who works for you and the kind of work they do.

If you’re self-employed, include yourself when counting total people or wages.

How many people work in your business altogether?
Include yourself, employees, apprentices, and anyone you pay regularly for trade work.

Manual Directors*
Please enter a number greater than or equal to 0.
Non-Manual Directors*
Please enter a number greater than or equal to 0.
Manual Workers*
Please enter a number greater than or equal to 0.
Non-Manual Workers*
Please enter a number greater than or equal to 0.

Total workers*
What’s the total wages amount you expect to pay over the next 12 months?*
Give your best estimate before tax. Include all employees and helpers you pay directly.
What kind of work is done in your business?

(Tick all that apply)
Do you do any woodwork or carpentry?*
Tick “Yes” if any part of your business involves making, fitting, or repairing wooden items.

Yes

No
Any fixed woodwork machinery*

Yes

No
Type of fixed woodworking*
Do you do any surveying work?*
Say “Yes” if you carry out inspections, valuations, or measurements for clients.

Yes

No
Do you provide any advice or consultancy work?*
For example: advising clients on design, safety, or planning.

Yes

No
Subcontractors

These questions help us understand how you manage outside workers.
Do you use any temporary or labour-only subcontractors?*
Tick “Yes” if you hire workers who use your tools or work under your direction (e.g. agency labour or short-term help).

Yes

No
Maximum number at one time*
What’s the most you’d have on site at once?
Contractors Payments*
Roughly how much do you pay them in total each year?
Do you use any independent (bona fide) subcontractors?*
Tick “Yes” if you hire subcontractors who use their own tools, materials, and insurance.

Yes

No
Maximum number at one time*
What’s the most you’d have on site at once?
Bona Fide Sub-Contractor Payments*
Roughly how much do you pay them in total each year?
What’s your business’ annual turnover?*
Use your expected turnover for the next 12 months that’s your total gross income before expenses.

Do you want cover for additional running costs if your work is disrupted? (business interruption)*
This helps pay for your ongoing costs like rent or wages if your business has to stop after a fire, flood, or other insured event.
How long would you need cover while you recover?*

12 Months

18 Months

24 Months

Not required
Do you want to include Personal Accident cover?*
This pays out if you’re injured and can’t work because of an accident, even if it wasn’t at work.

Yes

No
Who would you like to be covered?*
Do you want to include Employers’ Liability insurance?*
This is required by law if you employ anyone even part-time, temporary, or apprentices. It protects you if they’re injured or become ill because of their work.

Yes

No
What level of Public Liability cover would you like?*
This protects you if someone is injured or property is damaged because of your work. Most trades choose £2 million or £5 million.
Would you like property worked upon cover?*
It's a type of insurance that pays for damage to the specific item a contractor is actively working on

Yes

No
Do you want to include cover for your tools?*
This protects your tools against theft, loss, or damage whether on site, in your van, or at home.

Yes

No
What’s the total value of the tools you want to cover?*
Do you need cover for your plant and machineries?*

Yes

No
Sums insured*
Do you need cover for hired plant and machineries?*

Yes

No
Sums insured*

Claims in the Last 5 Years*

Yes

No
Claims

Description of the claim Year of the claim Actions

There are no Claims.

Maximum number of claims reached.

How we use your data
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Get a quote – Trades & Contractors