Small business insurance for a tradesman often includes public liability cover, which may help if a customer or member of the public is injured or their property is damaged during your work. You may also want cover for tools, equipment, stock, business premises and work-related vehicles, depending on your trade and how you operate. If you employ anyone, employers’ liability insurance is generally required, subject to specific legal exceptions. Compare the policy wording and exclusions carefully, and consider advice from an FCA-authorised insurance provider to help identify suitable cover.