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Almost there! Now just choose the cover that's right for you.

Select your level of Public or Products Liability cover

Provides cover if you injure a third party or cause damage to their property whilst at work.

  • £1m
  • £2m
  • £5m
  • {{vm.plMatrixPremium(0)| currency:'£'}}
  • {{vm.plMatrixPremium(1) | currency:'£'}}
  • {{vm.plMatrixPremium(2) | currency:'£'}}
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Please select whether you wish to include Employers' Liability

Would you like to add Employers' Liability cover (up to £10m) for {{vm.elMatrixPremium(0) | currency:'£'}} per year? Provides cover for compensation claims if you are negligent in causing injury or illness to your employees whilst they are working for you. If you employ people, this is a legal requirement.

Please select whether you wish to include injury to working partners

Would you like to include injury to working partners for {{vm.iwpMatrixPremium(0) | currency:'£'}} per year?

Please select whether you wish to include liability for Fixed Woodworking Machinery

Would you like to include Employers' Liability for those working with Fixed Woodworking Machinery? Provides cover for use of fixed woodworking machinery.

Please select the number of people using Fixed Woodworking Machinery

Number of people using Fixed Woodworking Machinery (including directors and partners)

Please confirm whether you wish to add this liability

Add Employer’s Liability for Fixed Woodworking Machinery for {{vm.fwmMatrixPremium(0) | currency:'£'}} per year?

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Would you like to add any extra cover?

Tools

Provides cover for loss, accidental damage and theft of your hand held tools at your business premises or on site.

You pay

  • {{vm.tcMatrixPremium(0) | currency:'£'}}
  • {{vm.tcMatrixPremium(1) | currency:'£'}}
  • {{vm.tcMatrixPremium(2) | currency:'£'}}

Contract Works

Provides cover for damage to partially completed work carried out as part of a contract. This covers damage to any work which is in progress, which you may be contractually bound to insure. The amount you select must be at least the same as the total cost of your largest project e.g the total cost to redo the work including all labour and materials.

You pay

  • {{vm.cwMatrixPremium(0) | currency:'£'}}
  • {{vm.cwMatrixPremium(1) | currency:'£'}}
  • {{vm.cwMatrixPremium(2) | currency:'£'}}

Own Plant

Provides cover for loss, accidental damage and theft of your owned plant (JCB’s, diggers, cement mixers etc).

You pay

  • {{vm.opMatrixPremium(0) | currency:'£'}}
  • {{vm.opMatrixPremium(1) | currency:'£'}}
  • {{vm.opMatrixPremium(2) | currency:'£'}}

Hired-in Plant

Provides cover if your hire contract makes you liable for loss, accidental damage and theft of hired-in plant (JCB’s, diggers, cement mixers etc).

You pay

  • {{vm.hipMatrixPremium(0) | currency:'£'}}
  • {{vm.hipMatrixPremium(1) | currency:'£'}}
  • {{vm.hipMatrixPremium(2) | currency:'£'}}

Goods in Transit

Provides cover for loss or damage to goods relating to the business whilst in transit or loading/unloading.

You pay

  • {{vm.gitMatrixPremium(0) | currency:'£'}}

Accidental Death (included FREE with policy)

Provides cover for you and any insured persons against the financial impact of a work-related death.

£10k

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Your quote

Including Insurance Premium Tax (12%) and an admin fee.

{{vm.tradesFooter.policyPremium | currency:'£'}}

0800 668 1552

© Ripe Thinking Limited 2025

Ripe Insurance Services Limited is Authorised and Regulated by the Financial Conduct Authority No.313411. Registered office: The Royals, Altrincham Road, Manchester M22 4BJ. Registered in England No 04507332.