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Construction & Tradesman Insurance

Built for the construction and trades industry, backed by experts. Whether you are on site, on the road, or running a growing team, your tools, time, and reputation are your livelihood. Construction and Tradesman Insurance from is designed around how you actually work. Accidents happen, projects change, and deadlines move. The right cover keeps you earning when they do.

Simple Claims Support

If something goes wrong, you want someone who will lift the phone. Our dedicated claims team coordinates repairs and replacements, chases authorisations, and keeps you informed. We work to minimise downtime so you can get back to the job with as little disruption as possible.

Why Tradespeople Choose Us

Every trade carries different risks, so we start by understanding what you do, where you work, and who you work with. Your policy can include public liability as standard, with limits that suit your contracts. If you employ anyone, including labour-only subcontractors, Employers’ Liability can be added to meet your legal duty.

We can protect your tools and plant against theft and damage, arrange Contract Works cover for jobs in progress, and include Personal Accident cover to support your income if you are injured and cannot work. You get quality protection that fits your budget, plus straight answers from people who know the industry.

What Can Be Included?

Public liability responds if your work causes injury or property damage to others. Employers’ Liability protects you when you have staff or labour-only subcontractors on site. Tool and equipment cover insures your kit at work, in transit, and at the yard, with options for overnight protection in locked vehicles subject to security conditions.

Contract Works cover protects materials and work in progress if there is damage before handover, helping you get back on track without starting from scratch. Personal Accident cover can provide a weekly benefit or lump sum, so bills are paid while you recover. We can also add own plant and hired-in plant, goods in transit, and business interruption where needed.

Who We Cover

We insure a wide range of trades, including builders and general contractors, electricians, plumbers and gas engineers, carpenters and joiners, painters and decorators, roofers, tree surgeons and arboriculturists, landscapers and gardeners, and property maintenance professionals. If your trade is not listed, ask us. If you work at height, underground, or with heat, we will set clear limits and terms so you know exactly where you stand.

Designed For You

Work is not static, so your cover should not be either. Add vehicles, increase limits for a new contract, or include a new location as your business grows. Prefer to talk it through face-to-face or by phone? No problem. We will guide you on the right levels of indemnity for the jobs you are winning, and on the evidence your clients may ask for, such as method statements, hot-works permits, and proof of insurance.

Practical Risk Advice

Good habits reduce claims and protect your premium. We can advise on tool security, van deadlocks and safes, site storage, scaffolding and ladder controls, electrical testing, hot-works procedures, and lone-working policies. For contract sites, we can discuss JCT requirements, principal contractor conditions, and how Contract Works interacts with the building owner’s insurance.

Java Insurance Can Help

Insurance should keep your business moving, not slow it down. Tell us about your trade, the value of your tools and plant, your contract sizes, and any height or depth work. We will build a policy that fits today and can scale tomorrow.

Call us today

01435 583 584

or complete our enquiry form
01435 583584
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