30/07/2026
Ask Insurance Services is a local independent commercial insurance broker based in Lancaster, that offer a range of insurance products and insurance solutions for tradesmen, self-employed contractors, and small businesses.
Because we act as a broker rather than a direct insurer, we work on your behalf to gather and compare quotes from multiple UK insurance providers. This ensures you get a policy that fits the exact risks of your trade without paying for unnecessary extras.
When setting up a tradesman policy through Ask Insurance Services, you can bundle several critical forms of protection:
• Public Liability Insurance: Protects your business if a customer or member of the public suffers an accidental injury or property damage due to your work.
• Employers' Liability Insurance: A legal requirement if you employ anyone (including apprentices or casual labourers), protecting you against claims if staff are injured or fall ill on the job.
• Tools and Equipment Cover: Insures your hand tools and power equipment against theft, loss, or accidental damage, frequently including options for overnight vehicle storage.
• Contract Works: Covers the cost of repairing or replacing work-in-progress (such as extensions or new builds) if damaged by fire, flood, or vandalism before completion.
• Professional Indemnity: Protects your business if you provide design, consultancy, or specialized advice that results in a client's financial loss.
Why Choose Ask Insurance Services?
• Personalized Support: Unlike automated online forms, we focus on a traditional, personal service approach where were we can assesses your specific daily needs.
• Claim Representation: If something goes wrong, we act as an intermediary to help you navigate and negotiate your claim with the insurance company.
• Regulated Expertise: We are an Appointed Representative of Momentum Broker Solutions Limited, meaning we are fully authorized and regulated by the Financial Conduct Authority (FCA).
How to Contact us
• Phone: 01524 68468
• Email: [email protected]
• Office Address: 7-1-6 Cameron House, White Cross Business Park, Lancaster, LA1 4XF