High Risk Trades Insurance

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Working in a high-risk profession makes insurance an essential investment. Whether you’re working with chemicals, waste or other risky fields, the potential for accidents is naturally greater

High-risk insurance provides cover for businesses that are considered more dangerous to those doing the work. If you work in areas like petrochemicals, waste, pest control, and steel erection you will undoubtedly encounter more hazards than the average worker. Most of these high-risk professions being exposed to dangerous materials like heat or fumes, or working from height. As you would expect this significantly increases the likelihood of accidents. This could lead to your staff, members of the public, or customers, taking legal action against you. Insurance covers you for this eventuality.

When you work with us, we promise the following:

A dedicated account manager, who will always be your first point of contact.
A detailed and comprehensive review of your risks before we look for insurance.
Completely unbiased advice.
Access to a wide range of insurers, as well as Lloyd's markets.
An in-house specialist claims team with an unrivalled understanding of the high risk trades industry.

High Risk Trades Insurance Products

There are a wide range of products that are suitable for businesses that operate in high risk industries. You can find some of them below, but we always recommend a thorough review of your own unique needs before arranging specific insurance.

broken yellow tape outside a construction site

Comprehensive Public Liability Insurance

Protects your business against the financial implications from personal injury or property damage claims made by members of the public.

Employers' Liability Insurance

Employers’ liability insurance helps protect you and your business, whether you have one employee or one hundred employees.

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Contractors All Risk Combined Insurance

A highly flexible policy that is designed to meet the needs of construction companies on building sites.

The importance of High Risk Trade Insurance

Let's be frank, the clue is in the name. If you work in an industry that is considered high risk, then you need to mitigate those risks. And that is the very definition of what insurance does. But it's not always easy to get the right cover. As your job is dangerous, most insurers are somewhat reluctant to cover you, believing it is simply not worth the risk. After all, as we have said, the riskier your work is, the more likely it is that an insurer will have to pay out. This often means that companies in high-risk industries are forced to settle for inadequate cover that doesn’t provide the protection they need. But that's where we come in. We will work with you to understand all the risks you face and arrange cover that is perfectly tailored to you and provides the protection you need.