When comparing tradesman insurance quotes, check whether each policy includes the cover you need, such as public liability, tools and equipment, contract works, personal accident or business-use van cover. Employers’ liability insurance is generally legally required if you employ staff, although exceptions can apply. Give each provider accurate details about your trade, turnover, employees, work locations and previous claims, then compare cover limits, exclusions and excesses as well as price. Consider an FCA-authorised insurer or broker, and check the policy wording carefully before buying.