Kelly Ohlmus / Friday, October 24, 2025 / Categories: Construction News & Help, Tips For The Trade Builder & Tradesmen Insurance in Ireland: Costs, Coverage & Savings We’ve compiled some real figures from builders and tradesmen across Ireland, along with typical coverage levels. Prices will always vary depending on your trade, size of business, and claims history — but this should give you a good ballpark. If you’re running your own trade business, public liability insurance is essential. Accidents happen, and without the right cover, you could be personally liable for damages or injuries. Why Builders & Tradesmen Need Insurance Public liability insurance protects your business against claims from: Damage to a client’s property Injuries to a third party Accidents involving your employees Even small accidents can cost thousands. Having insurance protects your wallet and your reputation so you can keep trading with confidence. Types of Coverage Most tradesmen's policies include two main protections: Coverage Type Typical Limit (€) What It Covers Public Liability €6,500,000 Damage to a client’s property or injuries to third parties Employers’ Liability €13,000,000 Injuries to your employees while working for you Optional Extras You can also enhance your policy with additional cover for: Employee Cover – protects staff in case of accidents on site Van / Vehicle Cover – protects business vehicles and equipment Tools Cover – replacement or repair of essential tools if lost or stolen Materials Cover – protects materials held for use in your projects Adding extras increases your premium but gives peace of mind. Estimated Annual Premiums by Trade Here’s an overview of typical annual premiums for Irish tradesmen, from lower-risk to higher-risk trades: Trade Estimated Annual Premium (€) Gardener / Landscaper 350–600 Painter / Decorator 400–700 Plasterer 400–500 Tiler 500–700 Handyman / Maintenance 500–800 Carpenter / Joiner 600–900 Electrician 700–1,200 Plumber 800–1,300 Builder 1,000–1,300 Roofer 1,500–1,800 Insulator / Retrofit Contractor 1,200–1,600 These estimates are for standard public and employers’ liability coverage. Adding van, tools, or materials cover will increase the premium. ✅ Join Onlinetradesmen & Save Get 10% off trade business insurance through our FBD Insurance partnership and protect your business, staff, and clients. Plus, enjoy The Everything App for trade pros with: €20M+ in local job leads per month across 350 job types Simple plans with zero commissions and no hidden fees Business tools, apps, and digital marketing to grow your business Mobile invoicing & bookkeeping to keep cash flowing Recruitment support for your next hire Savings on business & lifestyle items Protect your business, grow your opportunities, and enjoy a better lifestyle — sign up to OnlineTradesmen today. Heating Systems Recall in Ireland: 114,000 Tucson Pumps Pose Electrocution Risk TradeChat Live: The Messaging App Built for the Trade Print 1020 Rate this article: 3.3 Please login or register to post comments.