Public Liability, Employers' Liability, tools and contract works — one policy, priced in seconds, bought online.
Sole traders to 15 employees · turnover up to £10m · 7 trade families rated instantly online.
Count people who physically do the trade work for you, including labour-only subcontractors. Don't include office/admin staff — you'll count yourself and any working directors in the next question.
Include yourself if you do hands-on trade work.
£1m covers most tradespeople. Larger contracts or public-sector work may need more.
This range is a guide, not an offer of insurance. Your firm quote, Statement of Fact and Insurance Product Information Document (IPID) will be shown before you can buy. We haven’t stored anything about you yet — carry on to the firm quote or close this tab and nothing is kept.
Live Companies House lookup — start typing and pick your company.
We’ll email your quote, IPID, policy wording and Statement of Fact. Mobile is used for policy alerts and claims only — no marketing unless you tick it below.
If you employ anyone — including labour-only subcontractors — UK law requires Employers’ Liability of at least £5m under the Employers’ Liability (Compulsory Insurance) Act 1969. Ragado adds £10m as standard.
A working director wearing a tool belt counts. A director who only manages the office does not.
Employees and labour-only subcontractors combined — anyone doing physical work on site who isn’t a director/partner.
Genuine subs invoicing you with their own Public Liability cover — not labour-only.
Rough total annual spend across all bona-fide subs — used to price contingent PL exposure.
Most domestic work needs £1m — the default. Main contractors and local authorities often require £5m.
Optional covers — add what you need
A “Yes” doesn’t decline you — it just routes to a human underwriter for a same-day price.
All answers default to No. Tap Yes only where it applies — we’ll ask a couple of quick follow-ups.
This is your final check before we take payment. Everything below is what Ragado will pass to the insurer for the policy priced on the previous screen. Anything wrong? Tap Change next to that line — your price will update if it needs to.
Firm price · no obligation to buy. You’ll confirm your Statement of Fact on the next step before paying.
This is a summary. The full Insurance Product Information Document (IPID) is below, and the complete policy wording will be emailed to you.
| Cover | Limit | Excess |
|---|
Duration: 12 months from inception. Territorial limits: UK, Isle of Man, Channel Islands (temporary work in EU up to 30 days). Governing law: England & Wales.
How to cancel: 14-day cooling-off period from receipt of documents. After that, cancellation is subject to short-period charges — see full wording.
How to claim: 02920 799799 or claims@ragado.com, 24/7. UK claims team.
Ragado offers a monthly Direct Debit option provided by Close Brothers Premium Finance. This is a regulated credit agreement under FCA CONC rules. Full agreement will be shown before you commit.
| Cash price (annual total) | £332.54 |
| Deposit | £0.00 |
| Amount of credit | £332.54 |
| Interest rate (fixed) | 4.5% per annum |
| Term | 10 monthly instalments |
| Monthly payment | £33.90 |
| Total charge for credit (interest) | £6.46 |
| Total amount payable | £339.00 |
| Representative APR | 8.9% APR representative |
This illustration is provided under FCA CONC 4.2 (pre-contract information). A full pre-contract credit information document (SECCI) and Direct Debit Guarantee will be provided before you sign the credit agreement. Credit is subject to status and affordability.
Your Demands & Needs statement and the full policy wording are emailed with your policy documents.
Fair value assessment (FCA PROD 4). Ragado has assessed this product as providing fair value to a UK tradesperson within the target market: sole traders and businesses up to 15 employees with turnover up to £10m. Distribution costs and remuneration are disclosed above.
Regulatory status. Ragado Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1034795) as an insurance intermediary and Managing General Agent, and permitted to arrange consumer credit under the Consumer Credit Act via delegated authority. Insurance is placed with an A-rated (AM Best) capacity provider. FSCS protection applies — 90% of claim, no upper limit for compulsory insurance; 90% up to £85,000 for other classes.
Complaints. If you're unhappy, contact complaints@ragado.com. You may refer eligible complaints to the Financial Ombudsman Service (financial-ombudsman.org.uk).
Data protection. Ragado Ltd is the data controller (ICO registration ZB957037). We process personal and business data under UK GDPR Article 6(1)(b) — performance of contract — and Article 6(1)(f) — legitimate interests (underwriting, fraud prevention, credit checks). Special-category data (e.g. convictions) is processed under Schedule 1 Part 2 of the Data Protection Act 2018 (insurance purposes). We share data with our capacity provider, credit provider (Close Brothers), Companies House, Cifas and MIAFTR. You have rights of access, rectification, erasure and objection — see our Privacy Notice. Retention: 7 years after policy expiry, longer if a claim is open.
Your Statement of Fact is signed. All figures below match your firm quote. Paying in full puts you on cover as soon as the payment clears; paying monthly puts you on cover straight away and we set the Direct Debit up with you afterwards.
| Lender | Close Brothers Premium Finance, part of Close Brothers Ltd (FRN 124750) |
| Credit intermediary | Ragado Ltd (FRN 1034795) |
| Type of credit | Fixed-sum loan to pay insurance premium in 10 monthly instalments |
| Cash price of insurance | — |
| Advance payment (deposit) | £0.00 |
| Total amount of credit | — |
| Duration of agreement | 10 months |
| Number and frequency of repayments | 10 equal monthly Direct Debit instalments |
| Amount of each instalment | — |
| Fixed borrowing rate | 4.5% per annum |
| Total interest payable | — |
| Total amount payable | — |
| Representative APR | 8.9% APR representative |
| Missed / late payments | £25 default fee per missed instalment. Continued non-payment may lead to cancellation of the credit agreement and, in turn, cancellation of the insurance policy for non-payment. This may make it harder or more expensive to obtain credit or insurance in future. |
| Right of withdrawal | You have 14 days from signing the credit agreement to withdraw without giving a reason. |
| Early settlement | You may repay the loan in full at any time. No early settlement fee. |
This information is provided under FCA CONC 4.2 (pre-contract information for regulated credit) and represents the Standard European Consumer Credit Information (SECCI). Credit is subject to status and affordability checks. Ragado is a credit broker, not a lender.
We need these to set up your Direct Debit. Our team will confirm the mandate with you before the first collection is taken — nothing leaves your account today.
Your sort code and account number are encrypted before they are stored, and are only ever shown in full to the Ragado staff who set up the collection.
After confirming below you'll be taken to GoCardless Instant Bank Pay — a PCI-DSS Level 1 compliant checkout. Your card details are entered there, never on this page. Ragado never sees or stores your card number.
You have a 14-day cooling-off period from receipt of documents. Cancel any time within 14 days for a full refund (less time on risk).
Your policy incepts today and runs for 12 months. Your policy number is RGD-—. We've emailed the IPID, policy wording, Statement of Fact, TOBA, Demands & Needs and SECCI to your email.
Free monitoring of your business's risk signals — Companies House filings, director changes, credit-score movement, adverse press, county court judgments. You get an email the moment anything material changes.
What happens next. Your policy is live from the moment you paid — you can start work with cover in force today. If you need proof of insurance for a job, use the download link above. Making a claim? Call 02920 799799 or email claims@ragado.com — 24/7 UK team.
14-day cooling-off period. You can cancel within 14 days for a full refund (less any time on risk).
Your data is only used to price and issue your policy. See Privacy Notice for full details. No cold sales calls.
We launched in 2026 — no Trustpilot scores yet. Just real people who've used us.
"Quoted, paid and had my certificate in the van before I finished my tea. The AI actually knew what a first-fix sparks does."
"Companies House lookup saved me typing my address three times. Priced fair for a two-man plumbing firm."
"I liked the honesty — it showed the range first, then said what could change it. No hidden gotchas at the end."
Up to £10m if your work injures a customer or damages their property.
£10m as standard — legally required if you employ anyone, even labour-only subbies.
Owned, hired, in-vehicle overnight. Replacement value, not depreciated.
Your work-in-progress if fire, flood or theft hits site.
Diggers, MEWPs, generators — your kit or the hire company's.
Cover for pure economic loss caused by your professional advice — available when Professional Indemnity is added.
Every trade below gets an online price. Outside this list — demolition, asbestos, tower-scaffold specialists — we still write you; we just need a short underwriter conversation first.
Not available online: demolition, asbestos removal, deep excavation, structural steel erection, work above 30m, cladding on high-rise, USA/Canada work. Roofing above 10m and heavy heat-work also need a short underwriter chat.
Two scenarios based on real UK tradesman claims. Figures are typical settlement bands — not price quotations.
Plumber & heating engineer, £180k turnover, 2 employees. Fitting an en-suite in an occupied house. The homeowner walked in while the fitter was cleaning up, slipped on wet tile adhesive and fractured her wrist — surgery, six weeks off work, four months of physio.
Her solicitor sent a letter of claim: pain and suffering, £4,200 lost earnings, £1,800 physio, travel costs. The letter says the fitter left the floor unsafe with no barrier or warning.
Electrician, £120k turnover, sole trader. Fitted a new consumer unit, Part-P certificate same day. Six hours later a loose neutral connection arced, igniting surrounding plastic. Fire damage to two kitchen cabinets, a range cooker, wallpaper, smoke damage through the ground floor.
The homeowner's insurer subrogated — writing to the electrician to recover their settlement. Total: £24,600 kitchen replacement, £3,800 redecoration, £1,200 temporary accommodation.
Examples only — not a promise of cover. Every real claim is decided on its facts against the policy documents in force at the time.
If you employ anyone — including labour-only subcontractors — yes, £5m is the legal minimum. We give you £10m as standard.
Most domestic work is fine on £1m — the default. Main contractors and local authorities usually require £5m. Our tool shows what limits similar trades choose so you can decide what fits your contracts — Ragado doesn't give personal advice or a recommendation.
Yes — declared labour-only subbies are covered under Employers' Liability. Bona-fide subs need their own PL.
Provided by Close Brothers Premium Finance, 10 monthly instalments, 4.5% interest per annum. Full pre-contract credit information (SECCI) shown before you sign. FCA-regulated under CONC.
