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Your business can change quickly. You may start taking on larger jobs, add new services, buy specialist equipment or begin working in areas that carry more risk than the work you originally insured.

You remove part of a roof to carry out repairs. The weather changes. Water gets into the property and damages ceilings, walls, flooring or furniture. It is exactly the sort of situation a roofing contractor

More than a quarter of UK sole traders could be leaving themselves financially exposed by operating without any business insurance. New research commissioned by the Association of British Insurers (ABI)

Landscaping businesses can take many forms. You might be a self-employed landscaper carrying out garden maintenance and lawn mowing, or you could run a larger landscaping company completing hard landscaping,

Your business rarely stays exactly the same. A landscaper starts taking on tree-felling work. A builder begins offering roofing. A groundworker moves into deeper excavation. A carpenter starts managing

Using subcontractors is commonplace in construction. A builder might bring in a roofer. A landscaping company may use a specialist tree climber. A groundworker might subcontract drainage or plant operations.

Facilities management contractors juggle cleaning, maintenance, security and minor repairs across multiple sites. That variety is exactly where cover gaps appear. A standard policy built for one trade

Contractors face different risks depending on the work they do. A self-employed tradesperson will not always need the same cover as a larger contractor with staff, vehicles, subcontractors and commercial

Subcontractors are common in construction and trade work. You may bring someone in for a few days, a single job or a longer project. But the insurance position is not always clear. One of the biggest

Construction sites are unpredictable. A dropped tool or a damaged pipe can turn into a costly claim overnight. Without the right cover, one incident could threaten your business and your finances. That’s

Building work comes with risk. You may be working in someone’s home, on a commercial site, near members of the public, or alongside other trades. Even when work is carried out carefully, accidents

Roofing work comes with risks that many other trades do not face. Working at height, moving heavy materials and operating above homes, vehicles and occupied commercial premises mean that even a small