Tradesmen Insurance
As a tradesman, your type of work involves a high degree of risk to yourself, your employees, your customers and their properties. Mistakes can happen and these can be very costly to you, even more so if you don’t have adequate tradesman insurance in place. Without it, you could potentially face financial ruin if you or an employee makes a particularly costly error.
Suppose you made a mistake when wiring a house, or you accidentally dropped a piece of heavy equipment inside a customer’s residence causing damage to the floor. Such events could have major financial repercussions when customers claim against you and your business. Tradesman insurance would ensure you had cover in place to protect you in the event of any such claims against you and your business.
Key Benefits
- Public Liability – covers you and your business for any damage caused to property or any injury caused to others as a result of your work
- Employers Liability – it is a statutory requirement to have this type of insurance in place to cover you against the costs of damages and legal fees for employees who are injured
- Personal Accident – protects your income in the event of you suffering an occupational injury that prevents you from working (particularly important if you are a self-employed individual)
- Tools and Equipment Cover – covers you for the cost of replacing or repairing the tools and equipment you need to be able to carry out your trade work
Optional Extras
- Contract Works – covers all materials and labour involved for work undertaken for a specific contract (cover can involve any contract site across the UK and the immediate area around the site)
- Plant – insurance to protect your plant and its tools, equipment and temporary buildings etc...
- Hired in Plant – provide cover to protect all elements of any hired in plant including temporary buildings, fixtures and firings etc...
- Legal expenses - financial cover for any legal disputes with clients, the public and employees
