Trusted by over half a million customers

Our service is rated 'Excellent' on Feefo

Over 2,000 experts ready to help

High-risk trades insurance

There’s no such thing as a quiet day when you’re working in a high-risk trade. One job might mean working on a roof. The next, you’re deep in a trench or handling heavy kit in a tight space. It’s unpredictable, and when something goes wrong, it can hit hard. That’s why your insurance needs to work harder. At Everywhen, we’ll help you build cover that considers your business risk from all angles.

Silhouettes of two industrial climbers are washing, cleaning facade of a modern office building.

Why choose Everywhen for high-risk trades insurance?

While some insurers hesitate when they hear what you do, we’ll work with you to find providers willing to take on the risk. We work with businesses of all kinds, from demolition and scaffolding to steelwork and groundwork. We’ll take the time to understand how your teams operate and what’s at stake if something goes wrong.

Protection for complex sites

Cover that reflects the risks of working in unpredictable environments

Support for non-standard risks

Insurance that adapts to the way your business actually runs

Options for subcontractor cover

Flexible policies for labour-only or bona fide subcontractors

Claims support that’s on your side

Help from people who know how high-risk trades work

Key benefits of high-risk trades insurance

  • Cover for hazardous work and specialist trades

  • Help with liability claims and site incidents

  • Flexible options for subcontractor arrangements

  • Legal support for disputes and investigations

  • Advice from people who understand your sector

Roofer is working on the roof

What does high-risk trades insurance cover?

When you’re working in dangerous conditions, the risks don’t stop at the job itself. A single incident can lead to injury, delays or legal action. Your insurance should act as a safety net for these risks.  

Typical cover includes

  • Public liability: Protection for injury or damage linked to your work

  • Employers’ liability: Required cover for your team

  • Contract works: Cover for temporary structures and project-based jobs

  • Tool and equipment cover: Protection for essential kit on-site or in transit

  • Legal expenses: Help with disputes, claims and investigations

  • Personal accident: Financial support if someone gets hurt on the job

Electrical contractor working with cables

Get a quote from Everywhen today

Looking for high-risk trades insurance quotes? Let us help you find the right policy quickly and easily. Just fill in our short form.