If you decide that you are going to risk it and not bother taking out the right tradesman
insurance policy then you are potentially risking your entire business. A claim brought about by a member of the public against you for an injury you have caused could lead to a massive payout and depending on your situation, this may cripple your business financially. It is therefore of utmost importance that you consult a broker and find out the best level of cover for your personal situation.