Tradesman insurance is important if you work on site, in a customer’s home or other premises and can be applicable to both sole traders and businesses with employees.
The main element of the policy is public liability insurance, which can be combined with a range of other cover options such as employer’s liability, personal accident and business cover
Who can we cover?
We can cover a wide variety of tradesman such as:
What does it cover?
It will automatically include Public Liability Insurance but you may wish to add optional covers such as:
What is Public Liability Insurance?
It protects your business from claims that may arise as a result of accidental damage or injury that a customer or a member of the public suffers in connection with work you carried out.
This can be both at your premises or at the customers, if they for example trip over your equipment they may make a claim against you for the injuries they suffer. The public liability cover would cover your legal fees and any compensation that could be due as a result of the claim.
Do I need employers liability cover?
If you employee staff then Yes, you must have Employers Liability Insurance by law.
Your policy should cover all employees including contract, casual and seasonal staff as well as temporary staff (including students or other work placements).
Business premises insurance
Your business premises and it contents are essential to run your business. You can protect your property against damage caused by events such as burglary, fire or flooding.
You can also add extra cover for business interruption which offers cover for any periods where you are unable to business as noraml due to damage to your business premises.
Plant equipment (owned or hired)
Whether a piece of plant machinery or equipment is hired or owned by the busiess it could be against loss, theft or damage.
Stock
As a tradesman you may also require cover for stock, materials in trade and customer goods for which you are responsible for, This will cover against damage, loss or theft.
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