- Rated 4.9/5 Excellent
The tools don't work when you can't 🔨
Income Protection & Life Insurance solutions for people on the tools
- Get paid fast
- Another job done
- Rated 4.8/5 Excellent
Compare Life & Income Insurance for UK Tradesmen
We specialise in bespoke life insurance for tradesmen, designed to protect your family, your income, and your livelihood if the unexpected happens. Whether you’re self-employed or run a limited company, we tailor cover around how you actually work.
Payouts up to £1M+
Speak to an Expert
- The hard truth
Why Tradesmen Are
Often Underinsured
WE FIX THAT
Our policies are designed for the guys on site, not office workers.
Tradesmen face higher physical risk, inconsistent income, and little or no sick pay. Generic comparison sites fail to reflect the reality of your job.
Injury-Related Downtime
Standard policies don't account for the fact that if you don't work, you don't get paid.
Hands-On Income
Dependants rely on your physical ability to work. We protect that asset.
Income Gaps
The need for income protection alongside life cover is often ignored by generic insurers.
Simple Process
How It Works
01
Enter Details
Submit your details online or call us. We ask practical questions about your trade and income.
02
REVIEW OPTIONS
We compare policies across the market to find cover that fits your specific trade risks.
03
YOU'RE COVERED
We handle the paperwork and place your policy in trust for free. You get back to work.
Self-Employed vs Limited Company
Your setup depends on how you trade — and we guide you through it.
Sole Trader
Personal Life Insurance
Protects your family directly.
Income Protection
Vital coverage if you can't work due to injury.
Paid Personally
Costs come out of your post-tax income.
Limited Company
Relevant Life Insurance
Paid by your business, tax-efficient.
Corporation Tax Relief
Premiums are a deductible business expense.
No P11D Benefit
Doesn't count as a benefit in kind for you.
- Full Coverage
Protection Options
For Tradesmen
Standard policies often miss the mark for manual workers. Whether you are self-employed or a limited company, our cover is tailored to how you actually work.
"Tradesmen face higher physical risk and inconsistent income. We fix the coverage gaps others leave open."
01
Life Insurance
Pays a lump sum to your family if you pass away during the policy term.
02
Critical Illness
Pays out if you’re diagnosed with a serious illness such as cancer, heart attack, or stroke.
03
Income Protection
Provides a regular income if illness or injury stops you from working — essential for self‑employed.
04
Income Protection
Ideal for couples, business partners, or family‑run trade businesses.
It's More Than Just A Policy
Service that doesn't stop when you pay
Boots on the Ground
We understand the site because we've been there. Our policies are built for the risks you actually face.
Lightning Fast
Quote in 2 minutes. Documents in 5. Claims paid in 24 hours.
Tax Efficient
Most of our plans are tax-deductible business expenses. Save on tax while protecting your back.
Tools Cover Included
Because you can't work without them. Up to £10,000 coverage for
your equipment, standard.
4.9/5
Rated 'Excellent' 4.9/5 (673+ Reviews)
- Annual Price & Policy Reviews
- Bespoke Cover
- Tradesmen‑Focused Advice
- Ongoing Aftercare
Who We Cover
Specialist policies designed for the risks of the trade. If you build it, fix it, or wire it, we cover you.
- Builders
Site accidents, height work, and heavy machinery cover.
- Electricians
High voltage risks and contract work protection.
- Plumbers
Leak liability and hazardous environment cover.
- Roofers
Extreme height cover and weather-dependent work.
- Carpenters
Injury protection for machinery and manual handling.
- Bricklayers
Solid cover for height work and heavy lifting.
- Welders
Protection designed for welders and high-voltage working environments.
Don’t see your trade? No problem — get a quote and we’ll see what cover’s available.
Trusted By The Trade
673+ Reviews on Reviews.io
G
Gwendolyn
I am very happy with the service Red Star provide. Everyone I spoke to was very helpful and supportive and knowledgeable. They were always polite and courteous.
H
Hannah
Easy and simple and very helpful staff. I’ve not claimed on anything yet so can’t comment on that but getting it was straightforward.
KH
Kevin H
I had the pleasure of being dealt with by rhys and he was a delight to speak to and very helpful in regards to what i was looking for . The service i received and my insurance policy is perfect thanks again
TT
Tania T
Great service and very honest opinions and advice give! Louis is the only reason I looked into this and thank him very much for all his help and efforts!!! Extremely good with people and most certainly brilliant at his job! Thank you Louis for looking after us!!!!
S
Sean
Friendly team, very flexible and always helpful. I’ve had the best service thanks to Hayley and Nicole who have helped me along every step of the way
BJ
Boban J
Very happy with Louis’s commitment to find the right insurances for me and my wife. Precisely explaining everything and alway gives you are choice.
CS
Claire S
Ryan Price sorted my policy for me. He explained everything very well and I am pleased with the policy I have chosen.
VB
Victoria B
I was advised by Ali Shahin who was extremely helpful and knowledgable. He was understanding of my personal circumstances and tailored the quotes and advice accordingly.
Don't Leave Your Family Unprotected.
Cover starts from the price of a pint.
Starting at
£6.21/mo
Takes less than 1 mins
Speak to an Expert
Common Questions
Can I get life insurance if I’m self‑employed?
Absolutely. We specialise in finding policies that cater specifically to the variable income structures of self-employed tradesmen.
Does my trade affect my premium?
Yes, higher risk trades can impact premiums, but our specialists know which insurers offer the best rates for your specific role.
Can I combine life insurance with income protection?
Yes, this is often the most recommended strategy for tradesmen to ensure both debts and daily living costs are covered.
What happens if I’m injured and can’t work?
If you have Income Protection, you will receive a monthly payout until you can return to work.
Can I get cover with existing health conditions?
Yes. We work with specialist underwriters who look at the bigger picture, not just a computer algorithm.
What is a policy in trust and why does it matter?
Placing a policy in trust ensures the payout goes directly to your beneficiaries, often avoiding probate and inheritance tax. We do this for free.
Cover From Just £6.21/mo*
*£6.21 per month based on a 25-year-old non-smoker applying for £200,000 level life insurance over a 25-year term. Quote generated using a pre-underwritten estimate and correct as at 04/06/2026. Life insurance is subject to eligibility, underwriting and insurer acceptance. Premiums and terms will vary based on individual circumstances and not all applicants will qualify for cover.
Speak to an Expert
Specialist protection for the people who build, fix, and maintain our country. No nonsense advice, real cover.
FCA
*£6.21 per month based on a 25-year-old non-smoker applying for £200,000 level life insurance over a 25-year term. Quote generated using a pre-underwritten estimate and correct as at 04/06/2026. Life insurance is subject to eligibility, underwriting and insurer acceptance. Premiums and terms will vary based on individual circumstances and not all applicants will qualify for cover.
Insure-My-Life.co.uk is a trading style of Red Star Financial Services Limited who are authorised and regulated by the Financial Conduct Authority, ref: 669592. Red Star Financial Services Limited is registered in England & Wales, No: 07129316. Registered office address: Boardwalk, 21 Little Peter Street, Manchester, M15 4PS.