Powered Now × Kingsbridge
Trade insurance,
made easy
Insurance might not be the most exciting part of running a business, but having the right cover matters — it protects the business you’ve worked hard to build, helps you meet the requirements for certain jobs, and gives you confidence when the unexpected happens.
Here we outline what cover to consider, what to have ready before getting a quote, and how to get 10% off your premium.
Two minutes
Which cover do you actually need?
Tick everything that sounds like your business and we’ll show you the types of cover that could be relevant, including any legal requirements that may apply. It’s a quick way to understand your options before you get a quote — the choice of cover is always yours.
Worth asking about
Tick a box above to build it.
Most trades end up ticking the first three — working in customers' homes and using their own tools. Public liability and goods & tools cover are usually the ones people ask about first; Kingsbridge can confirm what's right for your specific setup.
Or call Kingsbridge on 01242 808 740 and talk it through. Mention Powered Now.
Free downloads
The three guides worth reading.
Written by the Kingsbridge team for tradespeople rather than brokers. Between them they cover the whole job: what to buy, what the paperwork means, and what stops a claim being paid.
Simplifying trades insurance
Every cover type in plain English, plus the questions that tell you which ones apply to you.
- The trades insurance cheat sheet
- What insurance you might need
- Choosing the right policy
Understanding your policy documents
How to read the paperwork and work out what you're covered for before you need to find out the hard way.
- What your insurer sends you, decoded
- Policy wording, section by section
- The six-point policy checklist
Common risks & avoiding claims
The six ways a job most often goes wrong, with real claim examples and the habits that prevent them.
- Six common risks for tradespeople
- Which cover answers which risk
- Five ways to safeguard your business
Get your free guide
Where shall we send it? We'll email the PDF over, and it'll open in a new tab straight away.
Before you pick up the phone
Have this to hand.
A quote takes minutes if you've got the details ready and half an afternoon if you haven't. Here's what you'll usually be asked, and what the Kingsbridge Trades package includes before you add anything to it.
Worth having to hand
Rough figures are fine — they'll firm it up with you.
- Your trade and what you actually doBe specific. "Plumber who also fits bathrooms" prices differently to "plumber".
- Annual turnoverLast year's figure, or your best estimate for this year.
- Staff and subcontractorsHow many, and whether subbies supply their own materials or just labour — it changes which policy covers them.
- What your tools are worth to replaceNew price, not what you paid. Most trades underestimate this badly.
- The kind of sites you work onDomestic, commercial, industrial, and whether you go above a certain height.
- Any claims in the last five yearsDeclare them. A missing claim is the fastest way to have a future one refused.
What's in the box
Kingsbridge Trades package.
- Tools & equipment up to £2,500StandardIncluded at no extra cost, with next business day payout on accepted tool theft claims.
- Nil excess on most professionsStandardNothing to pay towards an accepted claim on most trades covered.
- Contract worksOptional
- Owned and hired-in plantOptional
- Professional indemnityOptional
- 10% off for Powered Now usersApplied when you quote through the link on this page or mention Powered Now on the phone.
The questions people actually ask.
Security conditions, usually. Tools policies typically exclude theft from an unattended home where doors and windows weren't properly locked, and commonly require you to remove the keys and secure anything that gives access to your vehicle when you leave it.
Van locks, a tracker or CCTV help. So does reading the conditions section of your policy wording before you need it — the guides above walk through where to find it.
Often yes. Employers' liability is a legal requirement when you employ anyone, and labour-only subcontractors — those turning up with their hands rather than their own materials and insurance — are frequently treated as employees for this purpose.
Some business types are exempt. Check HSE's guidance on employers' liability, or ask the broker to look at your specific setup rather than guessing.
Public liability is for physical harm — you put a drill through a pipe, or a customer trips over your gear. Professional indemnity is for financial harm caused by your judgement — you spec the wrong boiler capacity and the client has to pay to put it right.
If you only ever fit what someone else has specified, you may not need PI. The moment you're advising, designing or measuring up, it's worth asking about.
Five minutes now saves a lot later. Check the policy holder details are right, that the cover and limits match what you asked for, when the policy starts and ends, whether it auto-renews, and what the excess is. Then note who to call to make a claim.
The "Understanding your policy documents" guide above has this as a checklist you can work through.
No. We're a job management app, not an insurance provider or broker. Cover is arranged and provided by Kingsbridge, who are authorised and regulated by the Financial Conduct Authority — we've partnered with them so our users get a better deal and a straight answer. Anything about your policy goes to their team.
The discount is for Powered Now users. The guides are free either way — take them regardless. If you want the discount too, start a free trial; no card needed.
Last bit
Get it done.
You know which policies you need and roughly what you'll be asked. That's the hard part over — the quote itself takes a few minutes.
Mention Powered Now for 10% offThree ways to sort it
Whichever suits. The discount applies either way.
Quote online 01242 808 740Talk it through with a broker customersupport@kingsbridge.co.ukQuestions about an existing policyAbout this partnership
Powered Now is not an insurance provider or intermediary. Insurance is arranged and provided by Kingsbridge, and any policy is between you and them. Cover, limits, eligibility and terms are confirmed by Kingsbridge at the point of quote.
The cover checker and downloadable guides on this page are general information only, not advice on your particular circumstances. Always read your policy documents or check with your insurer for exact cover details, exclusions and conditions.
Kingsbridge
Kingsbridge Contractor Insurance is a trading name of Kingsbridge Risk Solutions Limited, registered in England No 01469545. Kingsbridge Risk Solutions Limited is authorised and regulated by the Financial Conduct Authority.
9 Miller Court, Severn Drive, Tewkesbury Business Park, Gloucestershire, GL20 8DN.
