Trades &
Two flexible products. One clear proposition. All-round protection for hands-on and office-based clients.
At Covéa, we know that no two businesses work the same way. That’s why our Trades and Professions policies are built to reflect the real-world risks of both manual and service-based work — from sole traders and consultants to small teams across the UK.
Whether your client is out on site with tools in hand, or running a business from a laptop, we’ve got them covered with tailored, modular cover options that are designed for how they work.
Trades – designed for contractors, builders, decorators and other manual trades.
Professionals – built for office-based and service-led businesses, from consultants to self-employed creatives.
Professionals
Smart cover for working people. Easy to place. Easy to trust. Built for the broker market.
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Key Features
Tool Cover On the Move
Protects hand tools and portable power tools in transit or locked storage — with theft extensions and flexible limits to suit the job.
Contract Works Cover
Includes materials, temporary works and off-site storage — plus debris removal, reinstatement costs and show home protection.
Public & Employers’ Liability as Standard
Covers legal liability for injury or damage, including temporary employees and bona fide subcontractors — all in one policy.
Optional Accidental Death Benefit
£10,000 lump sum for fatal injuries within the insured period — additional reassurance for self-employed tradespeople.
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Trades
Flexible protection for hands on Tradespeople.
Our Trades policy is a no-nonsense, modular solution built for contractors, sole traders and small businesses working across a range of trades. With core cover for liability and optional add-ons for tools, contract works and plant, it’s designed to fit the way your clients work — whether they’re on-site, in transit, or running the job solo.
Straightforward to place, competitively rated, and backed by 24/7 first notification of claims support, it gives you the confidence to protect your clients quickly, clearly and completely.
An example of our appetite
Electrician
Painting & Decorating
Building
Hairdressing
Property Maintenance
Key Features
Public & Employers’ Liability
Cover for third-party injury or damage and employee claims — including protection for temporary staff and work overseas.
Portable Tool Cover
Protects essential handheld tools and tech — even on the move, with theft and accidental damage options.
Goods in Transit
Up to £500 cover for business equipment while loading, transporting, or unloading — ideal for consultants on the go
Optional Accidental Death Benefit
£10,000 lump sum for fatal accidents, providing extra reassurance for sole traders and independent professionals.
Professionals
Cover for self-employed professionals and consultancy businesses.
Our Professionals policy is purpose-built for modern service providers — from designers and consultants to office-based contractors. It combines essential liability protection with optional add-ons for tools and transit, giving your clients flexible protection that travels with them, whether they work from home, an office, or out on the road.
With a clear, modular structure and strong core cover, it’s easy to place, simple to explain, and backed by 24/7 first notification of claims support.
An example of our appetite
Consultants
Accountants
Auditors
Clerical Services