Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK damp proofing specialists — quotes are provided directly by FCA-authorised insurers, not by us.
🤝 Partnerships launching soon
Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Damp proofing claims often start with a diagnosis rather than an accident — treating the wrong problem, handling chemicals without the right precautions, or a guarantee being called on years after the job. Trained, competent staff are central to getting all three right.
Condensation and penetrating damp are often mistaken for rising damp, leading to unnecessary chemical injection while the real cause goes untreated. A thorough survey, and being honest when chemical treatment isn't the answer, both reduce the risk of a professional indemnity claim later.
Damp-proofing chemicals are covered by COSHH, meaning you have a duty to assess the risk, use the right PPE and ventilation, and train anyone handling these products. If an employee is harmed and you can't show a COSHH-compliant process, employers' liability cover may not respond.
Damp-proofing work commonly carries a 10 to 30 year guarantee, sometimes backed by separate insurance that survives even if your business later closes. Make sure you understand what your guarantee actually promises, and what happens if it's called on years after the original job.
A correct diagnosis, safe chemical handling and a properly installed damp-proof course all depend on the competence of whoever's doing the work. Investing in recognised training, such as through the Property Care Association, and keeping training records up to date strengthens both your service and your position if a claim is made.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged during your work. Most builders and contractors require you to hold this before starting on site.
Covers your tools against theft from a van or site, and accidental damage. Tool theft is one of the most common claims for tradespeople — check the limit carefully.
Legally required if you employ anyone — including casual workers or labour-only subcontractors you direct on site. Minimum £5 million cover required by law.
Covers work in progress on site against damage from fire, flood, theft or accidental damage before it's handed over to the client. Essential for large or long-running jobs.
Covers owned or hired-in plant and machinery on site — diggers, cherry pickers, compressors and specialist equipment.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
Compare insurance for similar trades and businesses.
Compare from leading UK insurers. Free, fast and no obligation.