Tailored insurance for business.
Get cover that measures up.
20% off public liability insurance*, just for Checkatrade members
*Terms and conditions apply
Business insurance you can rely on.
Hassle-free claims, UK-based support
Instant access to your documents
Fee-free policy adjustments
Save 20% on public liability insurance*
All Checkatrade members need public liability insurance to pass vetting (and remain vetted). It covers claims made against you by members of the public for accidental injury and property damage.
We're making it easier to get the right cover by giving Checkatrade members an exclusive discount: 20% off public liability insurance*.
Just hit the Start your quote button, build your policy, and the discount will be automatically applied at checkout.
What other covers might I need?
While every business is different, some types of insurance make sense for a lot of tradespeople. Here are some additional covers you may want to consider:
Employers' liability
Can cover the legal and compensation costs associated with claims made by employees. If you employ anyone, including apprentices, this could be a legal requirement.
Tools and equipment
Provides repairs or replacements if your tools get lost, stolen or damaged. We can cover portable tools and machinery that you own, as well as hired-in plant and equipment stored in vehicles overnight.
Contract works
Things don’t always go to plan. This can provide protection against things beyond your control – like fire, theft, water damage and wind damage – and accidental mishaps that occur on a job.
Personal accident
If an employee is injured and can't work because of the permanent loss of sight or a limb, total disablement or even death, this can provide financial compensation of £2,000, £5,000 or £10,000.
Stock cover
You can’t get a job done without the right materials, so business stock can cover damage, theft, or loss to materials such as wood, paint and tiles.
Professional indemnity
If a third party accuses you of professional negligence, having professional indemnity insurance may help to cover any associated legal costs.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
*Terms and conditions
The discount offer of 20% off Public Liability for Checkatrade Members (‘the Offer’) is only available to Checkatrade Members who are new Superscript customers. The Offer will be applied to your Superscript policy for a lifetime (applied continuously at renewal). You will be informed of any price changes in good time, prior to the anniversary of your policy. The Offer will not apply to cancellation fees, and cannot be retrospectively applied. In the event that you cancel your Superscript policy within the first 6 months of cover, we reserve the right to deduct, withhold or charge the total value of the Offer from any payments due to or from you. To be eligible, you must have been directed from Covea or Checkatrade by clicking on the appropriate link or receiving an email directly. The Offer is not assignable. The Offer will be automatically applied to your account by Superscript. The Offer will be applied each month, regardless of annual or monthly payment option selection. There is no cash alternative. The Offer cannot be used in conjunction with any other Superscript offer, voucher or promotional benefit. The Offer is subject to eligibility requirements. We reserve the right to withdraw the Offer at any time. Terms and conditions are subject to change and you may not be informed.
FAQs
Do I need public liability insurance to join Checkatrade?
In line with The Checkatrade Standard, all members of Checkatrade must hold valid public liability insurance.
Do I need any other types of business insurance?
If you employ staff, you may have a legal obligation to get employers' liability insurance – whether those staff are part-time, full-time, permanent, temporary or apprentices.
There are exceptions to this rule, like if your employees are overseas or immediate family and is always worth checking.
If you have staff but don’t get the right cover, you can be fined £2,500 every day you’re not properly insured.
You're not legally required to get any other types of business insurance, although some contractors or trade associations may require that you do.
Which trades can Superscript cover?
From gas fitters to window cleaners, paving contractors to heating engineers, we cover a wide range of trades.
To check if we can cover you, simply click Start your quote. If you can’t see your trade, please don’t hesitate to contact our customer success team - we may still be able to offer you cover!
Is there anything Superscript can't cover?
We'd love to cover everything, but unfortunately we do have some exclusions, which depend on the nature of your work and the covers you select.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover.
How can I get covered?
Many tradespeople can get fully covered online within minutes. Just click Start your quote, tell us a bit about your business and select the covers you need.
If you can’t see your industry or business type in our online quote builder, please contact our customer success team who may be able to offer you cover!
Give us a call on 0333 772 0759, or send an email to hello@gosuperscript.com.
How much does trades insurance cost?
It varies – and the price depends on the work you carry out and the level of risk you face.
What excess will I pay?
It depends on the nature of the claim. For example, the excess on a public liability or tools claim would be £250, while the excess on a hired-in plant claim would be £500.
Do I have to keep my tools securely locked away?
Yes. To be covered against theft, all tools covered by the policy must be secured in a:
- Locked building
- Cabinet
- Drawer
- Room
- Trailer or vehicle.
Alternatively, they can be attached to a desk or fixed object by a suitable locking device and access must be gained by forcible and violent means.
When not locked away, the item must be being carried by you or your partners, principals, directors or employees, or within their line of sight.
Are my tools covered if left in a van overnight?
Our standard cover specifically excludes theft of tools and equipment from any vehicle left unattended between the hours of 9pm and 6am.
But you can choose to cover your tools for overnight van storage, providing the van is securely locked, at an additional cost.
How do I get my insurance documents?
Once you take out a policy with Superscript, you'll get instant access to your insurance documents. Simply log in to your online account to view all the details of your cover.
How do I make a claim?
We know how stressful a claim can be, so we try to make the process as easy and hassle-free as possible.
You can start a claim through our online customer portal. Log in and go to the Make a Claim section, where you should provide as much detail as possible about your claim – this includes a crime reference number (if applicable), the date of loss or claim made against you, and the type of claim. You can also attach any relevant supporting documentation.
Once you’ve submitted your claim, an expert from our in-house, UK-based claims team will get in touch with you as soon as possible.
Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.