TRADESMAN INSURANCE
Compare tradesman insurance with BMIB. Affordable cover for builders, electricians, plumbers & contractors. Get a quick quote today.
Why Choose
BMIB?
- Fast quotes with minimal hassle
- Quick turnaround on paperwork
- Access to competitive Irish insurance markets
- Advice from qualified insurance advisors
- Support when you need to make a claim
- Flexible and easy payment options
- A reliable broker on your side
Cover
Details
- Public Liability Insurance
- Employers Liability Insurance
- Product Liability Insurance
- Tools and workshop insurance
- Plant and special types machinery insurance
- Commercial motor insurance for vans, cars, and teleporters
- Professional Indemnity Insurance
- Contractors All Risks insurance
Who We
Can Cover
- Builders Insurance
- Carpenters Insurance
- Electricians Insurance
- Plumbers Insurance
- Tillers Insurance
- Groundworkers Insurance
- Block layers Insurance
- Building contractors Insurance
- Many More Businesses
What does Tradesman Insurance cover?
Tradesman insurance isn’t a single, one-size-fits-all policy. Most tradespeople build cover from a combination of the sections below, depending on their trade, contracts and how they work. What’s included, optional or excluded always depends on the individual policy wording, limits and exclusions.
Public Liability Insurance
Covers claims made by third parties for injury or property damage caused by the tradeperson's work.
Employers Liability Insurance
Protects against legal costs and compensation if an employee is injured or becomes ill due to their work.
Product Liability Insurance
Protects if a part, material, or product you supplied, sold, or installed is later found to be defective
Tools and Equipment Insurance
Covers loss, theft, or damage to tools and euipment used for work.
Contractors All Risks Insurance
Protect the contract you are working on is all-risk insurance, including contract works, hired-in plant, own plant, and tools under one policy.
Who We Can Cover
Builder Insurance
Building work comes with risks at every stage, from foundations to finishes. This cover handles injury and damage to property that is not yours.
• Cover for residential and commercial building work, including extensions, renovations, new builds and general construction projects.
• Public Liability and Products Liability Insurance with Cover limits of €2.5 million or €6.5 million.
• Employers Liability cover of up to €13 million.
Carpenter Insurance
Working with power tools and structural timber means one mistake can damage a client’s property. This cover handles injury and damage to other people’s property.
• Cover for first and second fix carpentry, joinery, fitted furniture, flooring, roofing timber work and shopfitting.
• Public Liability and Products Liability Insurance with Cover limits of €2.5 million or €6.5 million.
• Employers Liability cover of up to €13 million.
Electrician Insurance
Electrical work carries risks for both people and property. This cover handles injury and damage to property that is not yours.
• Cover for domestic, commercial and industrial electrical installations, maintenance, testing and repairs.
• Public Liability and Products Liability Insurance with Cover limits of €2.5 million or €6.5 million.
• Employers Liability cover of up to €13 million.
Tiler Insurance
From kitchens and bathrooms to large commercial spaces, tiling work takes place on premises you do not own. This cover handles injury and damage to other people’s property.
• Cover for wall and floor tiling, stone, ceramic and porcelain tile installation, repairs and replacements.
• Public Liability and Products Liability Insurance with Cover limits of €2.5 million or €6.5 million.
• Employers Liability cover of up to €13 million.
Groundworker Insurance
Excavation and site preparation can affect underground services, neighbouring property and public areas. This cover handles injury and damage to property that is not yours.
• Cover for excavation, drainage, site clearance, foundations, ducting, concreting and groundwork preparation.
• Public Liability and Products Liability Insurance with Cover limits of €2.5 million or €6.5 million.
• Employers Liability cover of up to €13 million.
Building Contractor Insurance
Managing multiple trades and construction projects brings responsibility for work carried out on site. This cover handles injury and damage to property that is not yours.
• Cover for general contracting, project management, renovations, extensions and residential or commercial construction work.
• Public Liability and Products Liability Insurance with Cover limits of €2.5 million or €6.5 million.
• Employers Liability cover of up to €13 million.
Block Layer Insurance
Laying blocks and constructing walls requires precision on active building sites. This cover handles injury and damage to other people’s property.
• Cover for block laying, brickwork, foundations, retaining walls and structural masonry work.
• Public Liability and Products Liability Insurance with Cover limits of €2.5 million or €6.5 million.
• Employers Liability cover of up to €13 million.
Frequently Asked Questions
1. Why do I need tradesman insurance?
It protects you against claims of negligence that may be brought against you regarding alleged injuries or damage to other parties property caused by your actions/services.
2. Who is considered a tradesman?
A tradesman is anyone working in skilled manual trades such as plumbers, electricians, carpenters, builders, painters, plasterers, roofers, and similar occupations.
3. What is Public Liability Insurance?
Public Liability Insurance covers you if a member of the public is injured or their property is damaged due to your work activities and covers employes if they were to hurt themselves whilst at work
4. Does tradesman insurance cover work at different locations?
Yes, we can cover you for work carried out at multiple sites within Ireland.
5. Are there height or depth restrictions?
Yes, some policies restrict work above certain heights or below ground level unless specifically declared and agreed with your insurer.
6. How much does tradesman insurance cost?
The cost depends on your trade, level of cover, turnover, number of employees, and claims history. Higher-risk trades or larger teams generally pay more.