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Tradespeople and professionals insurance
Commercial insurance for over 500 trades, from builders to hairdressers.
Cover details
Standard cover
We offer cover for:
- Public and product liability – limits available up to £10 million
- Legal expenses – £250,000 limit as standard
- Money in private dwellings, transit and bank night safe – up to £1000 (professional’s trades only)
See the policy documents for more details.
Optional cover
You can also extend your cover to include:
- Tools – up to £25,000 per employee
- Business equipment – up to £25,000
- Business stock – up to £25,000
- Own plant and hired-in plant – up to £75,000
- Contract works – up to £750,000
- Employers' liability – up to £10 million
- Personal accident
Tools cover includes theft from a locked vehicle overnight. Theft cover is subject to security conditions and evidence of forcible entry.
Our target customers
This cover is aimed at tradespeople who mainly work at third-party locations. For example:
- Builders
- Plumbers
- Gardeners
- Cleaners
See the documents tab for the full target market statement.
The cover is also aimed at professionals who work solely from their home address. For example:
- Hairdressers
- Consultants
- Accountants
- Surveyors
- Cakemakers
Risk appetite
Preferred risks
We prefer to cover:
- Sole traders
- Businesses with a low number of employees
- Established businesses
- Low claims frequency
Non-preferred risks
We prefer not to cover:
- Policyholders with dedicated business premises away from their home address
- Agriculture or farming businesses
- Roofing or scaffolding activities
- Project management risks
- Invasive or medical beauty treatments
- Working at height of more than 15 metres, or depth greater than 3 metres
Ready for a quote?
New to the broker portal? Register now.
For account, access or admin support, see the broker portal FAQs.
RSA and NIG product migration
If your client's RSA or NIG policy is up for renewal, we're making migration simple.
Find out more about eTrade product migration.
Customers
You'll need a broker registered with Intact Insurance to buy this cover.
Contact your broker or find a broker with BIBA.
Documents
Policy documents
The following documents are for Intact Insurance policies beginning RICN or RICP. For all other policy numbers, see the RSA and NIG policy documents.
RSA and NIG policy documents
You can find documents for existing RSA and NIG policies in the document library archive.
Our target customers
This cover is aimed at tradespeople who mainly work at third-party locations. For example:
- Builders
- Plumbers
- Gardeners
- Cleaners
See the documents tab for the full target market statement.
The cover is also aimed at professionals who work solely from their home address. For example:
- Hairdressers
- Consultants
- Accountants
- Surveyors
- Cakemakers
Risk appetite
Preferred risks
We prefer to cover:
- Sole traders
- Businesses with a low number of employees
- Established businesses
- Low claims frequency
Non-preferred risks
We prefer not to cover:
- Policyholders with dedicated business premises away from their home address
- Agriculture or farming businesses
- Roofing or scaffolding activities
- Project management risks
- Invasive or medical beauty treatments
- Working at height of more than 15 metres, or depth greater than 3 metres
Ready for a quote?
New to the broker portal? Register now.
For account, access or admin support, see the broker portal FAQs.
RSA and NIG product migration
If your client's RSA or NIG policy is up for renewal, we're making migration simple.
Find out more about eTrade product migration.
Customers
You'll need a broker registered with Intact Insurance to buy this cover.
Contact your broker or find a broker with BIBA.
Documents
Policy documents
The following documents are for Intact Insurance policies beginning RICN or RICP. For all other policy numbers, see the RSA and NIG policy documents.
RSA and NIG policy documents
You can find documents for existing RSA and NIG policies in the document library archive.
