Trade and Contractors Insurance that protects you on every job
Working in a trade in the Channel Islands often means early starts, busy sites, and customers relying on you to get the job done.
If something goes wrong, work can stop and income can be affected. That might be because of an injury, damage to a customer’s property, a problem with work you’ve completed, or tools being lost or stolen.
We help you arrange insurance that fits the way you actually work.
Who this suits
Trade and Contractors Insurance is suitable for people and businesses working across a wide range of trades, including:
Gardeners, landscapers and groundworkers
Painters, decorators and plasterers
Handymen and small maintenance businesses
General builders and small construction firms
Contractors who use labour-only or occasional subcontractors
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If you work with tools, equipment or materials, this cover helps protect you and your business.
What your policy can include
Every trade works differently, and insurers don’t all treat risks the same way. We’ll find your cover around what you do day to day, what you carry and store, and where you work.
Core protection
A trade or contractors policy can include cover for:
Public liability
Protection if you, your team or your work accidentally injure someone or damage their property.
Protection if you, your team or your work accidentally injure someone or damage their property.
Products liability
Cover for injury or damage caused by a product or solution you have supplied or installed after it has been completed.
Cover for injury or damage caused by a product or solution you have supplied or installed after it has been completed.
Employers’ liability
Cover if an employee or labour-only subcontractor is injured or becomes ill while working for you. This is usually required by law if you employ people.
Cover if an employee or labour-only subcontractor is injured or becomes ill while working for you. This is usually required by law if you employ people.
Tools and equipment
Cover for tools and equipment you own and use for work. Some policies can be extended to include tools left in a vehicle, subject to conditions.
Cover for tools and equipment you own and use for work. Some policies can be extended to include tools left in a vehicle, subject to conditions.
Stock, materials and parts
Protection for materials and parts used on jobs or stored on site, including items awaiting installation.
Protection for materials and parts used on jobs or stored on site, including items awaiting installation.
Contract works
Cover for building work in progress, from small jobs to larger projects.
Cover for building work in progress, from small jobs to larger projects.
Own plant and hired-in plant
Protection for plant and machinery you own, as well as equipment hired in for jobs.
Protection for plant and machinery you own, as well as equipment hired in for jobs.
Site equipment and temporary structures
Cover for site equipment and temporary buildings such as site cabins or storage units.
Cover for site equipment and temporary buildings such as site cabins or storage units.
Optional extras
We’ll help you decide what’s useful for your trade and what you can leave out. Options may include:
Accidental damage extensions
Cover for hired-in plant, including ongoing hire charges after a loss
Goods in transit
Equipment or machinery breakdown
Accidental pollution or environmental incident cover
Personal accident cover
Legal expenses cover
Some trades or higher-risk activities may need additional information or insurer approval. We handle this with insurers and keep you informed.
Extra guidance for contractors
Trade and contracting work often involves juggling multiple sites, tools, materials and people.
We help you understand the areas insurers typically focus on, including:
- How tools and equipment are stored, especially overnight
- Whether contract works cover is appropriate for your projects
- How subcontractors are treated under your policy
- Whether certain activities need additional terms or extensions
Insurers may occasionally ask for supporting information such as:
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Risk assessments or method statements
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Photos of sites or completed work
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Training records or trade qualifications
You don’t need to know all the technical detail, just tell us what you do and how you work.
How we help
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Step 1 of 4
You tell us about your trade What you do, where you work, the tools you use and whether you use subcontractors.
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Step 2 of 4
We compare insurers We approach suitable insurers and look for cover that fits your trade and risk profile.
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Step 3 of 4
You review your options We explain what each option covers, highlight key conditions and point out any important endorsements.
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Step 4 of 4
We arrange your policy Once you’re happy, we set up the cover and issue your documents.
We’re here at renewal to review your cover, and we'll support you if you ever need to make a claim.
Why use a broker for Trade & Contractors Insurance?
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We work for you, not for the insurers.
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Local teams who understand island worksites.
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Clear explanations, without jargon.
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Support for non-standard work and complex setups.
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Real help when something goes wrong, not just a call centre.