Find the right cover, understand what it costs, and get back to running a professional trades business — without the admin headache.
Estimated 2026 annual premiums for UK sole trader handymen
Prices vary based on annual turnover, trades carried out, and claims history. Always compare at least three quotes.
All FCA-regulated. Compare at least three before buying.
Fast online quotes, instant certificate
Trade-specific broker, multi-trade cover
Clear policies for micro-businesses
Long-established trades specialist
Strong claims handling, flexible cover
Popular with CIS and sub-contractors
When to use a broker vs going direct: For simple residential work, direct insurers are fast and cheap. If you carry out five or more trades, work commercially, or have a previous claim, a specialist tradesman insurance broker will often find better-value cover and ensure your policy actually matches your work scope.
Use our free calculator to get a personalised premium range based on your trade type, annual turnover, and cover level.
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No — it's not a legal requirement for sole traders. But most commercial clients, letting agents and property managers require proof of insurance before letting you on site. It's also essential financial protection: a single claim can cost tens of thousands of pounds.
£1m cover typically costs £60–£120/year. £2m cover runs £100–£180/year, and £5m cover is £160–£350/year. Most sole trader handymen doing residential work can get solid cover for under £10/month.
For simple single-trade work, going direct to Simply Business or Hiscox is quick and cheap. If you carry out multiple trades, work commercially, or have a previous claim, a specialist tradesman insurance broker can find better-value cover and make sure your policy actually matches your work.
£1m is sufficient for most residential work. Letting agents and property managers usually require £2m. Housing associations and local authorities often require £5m. When in doubt, take £2m — the difference in premium is small.
No — tools are covered under a separate tools and equipment policy. Most insurers offer this as an add-on. It covers theft from your van or site and accidental damage to your equipment.
Want the full deep-dive?
Read: Public Liability Insurance for Handymen — Complete UK Guide 2026 →