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At The Needham Group, your business is important to us. Whatever the size of your business, we pride ourselves on providing a business insurance solution at an affordable price. We compare and search our panel of commercial insurers to find cover that meets your needs and helps you be protected from the unexpected.
Sometimes called ‘Commercial Combined Insurance’, Tradesmen Insurance packages bring together the different kinds of insurance cover that you might need as a professional tradesperson in one policy.
Typically, Tradesmen Insurance can provide cover if there is an injury caused to your customers or the public or damage caused to their property as a result of your work. It can cover your employees against accident, injury (or heaven forbid) death sustained while working for you. It may also cover you for lost or damaged tools, and cover against trade materials or products letting you down and causing expensive reparations.
Kate Forsyth
As a professional tradesperson, it makes sense to have protection towards for your business and your customers from mishaps, accidents and failed equipment, products or services. Mistakes do happen and they can be extremely costly.
Tradesmen Liability Insurance can provide cover if the worst were to happen; it doesn’t take your business with it.
In addition, some insurance is a legal requirement. If you have employees, even if they are contractors or casual labourer’s rather than permanent employees, you must have Employers Liability Insurance. If you bid for contracts with larger firms, councils or other contractors, many will make insurance a condition of awarding the job.
Complete the enquiry form today and get a free business insurance review
Tradesman Insurance works in a number of ways.Every policy is different.
At The Needham Group, we’re a collection of insurance brokers with access to a large panel of insurers. You will search the market to find a policy that is tailored to your business. ypically, Tradesmen Insurance will include Liability Insurance to provide protection if the worst was to happen, plus additional options:
1. Cover for stolen or lost tools.
2. Cover for plant and hired-in plant.
3. Personal injury.
4. Loss or damage to your business premises for example.
The amount of cover you need totally depends on your individual business and the likely risks you may encounter. It may also depend on the kind of work you do.
A minimum of £5m in Public Liability cover is standard in the construction industry. However, you may have clients who insist on a higher level before they will allow you to work with them, or work on their premises.
If you have employees, a minimum of £5m Employers Liability Cover is required by law.
The amount of cover you might need for tools, plant and other options needs some thought. It’s easy to underestimate how valuable your kit is until it has gone missing and you have the bill for replacements.
An annual insurance review is one of the most effective ways to check if your current cover remains aligned with your business’ needs. Over the course of a year, organisations may expand services, purchase new equipment, hire staff, relocate premises or adopt new technologies. Regulatory requirements may also shift. Without
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At the end of December 2025, The Needham Group acquired Black Lion Broking Services. Black Lion Broking Services was founded in 2016 and is owned by Simon Church and Lee Walstow, both of who will remain in leadership roles following the acquisition. Based in Weybridge, Black Lion will remain in
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