Tradesman insurance

Tradesman insurance is a business insurance policy for professionals in their field that covers several different important aspects, including your equipment, cover for your ongoing works, compensation costs following a legal claim against you and other optional extras depending on the work you do.

To qualify as a tradesman, you must be deemed as a professional in your field of work and be over the age of 16. Generally, tradesman insurance is designed for people working in their own homes, outside, or on their clients' property, so if you own or rent a specific business premises you may need to enquire into full business insurance.

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The level of cover can be tailored to suit your needs and therefore the different things covered ranges depending on the cover you choose. Tradesman insurance can cover:

• Public contracts

• Private jobs

• Consulting

• Quoting

• Working abroad

• Working onsite

Your adviser can help you understand the different covers and the exact levels you might need during a quotation but we have listed some of the main features below. Our policies can be tailored to your business needs, so we can help you find the policy that is right for you.

This cover protects your business should a member of the public suffer an injury, loss or damage to themselves or their property through some type of negligence.

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This is a legal obligation to all businesses with any number of staff members, including those who are unpaid or contracted staff. This cover will protect you and your employees should they become injured while working for you.

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Yes, we can offer tools insurance for all trades, ranging from £1000 - £5000 per person. Also, own plant and hired in plant cover can be offered.

This will depend on your circumstances. Each case will be looked at on an individual basis.

We know that JCT is becoming more and more desired as part of tradesman insurance, even though it still remains relatively difficult to find among the various providers.

We pride ourselves on not only being able to source this protection for those looking for it, but also being able to accommodate any other types of cover you may need, such as sub-contractors and employees’ tools cover. Speak with one of our advisers about your needs and how we might be able to help.

What you need depends very much on the specificities of your business.

protects you against accidents that may happen, implicating a member of the public. This includes accidents ranging from something as small as a spilt drink over a piece of equipment, to serious bodily injury.

Professional liability insurance covers legal and compensation costs that arise from claims made against a professional for alleged negligence, errors, or omissions in the course of their work. This may include claims for financial loss, damage to reputation, or breach of confidentiality.

The level of cover will depend upon your circumstances. The type of contracts the property you work at and any contractual requirements We will offer a range of public liability insurance options enabling you to make an informed decision on the most suitable levels of cover for you.

This provides cover against an uninsurable event that stops you fulfilling a contract. An example would be when a storm destroys a structure being built. Contract works will only cover the parts of the building that you are working on, not the existing structure. The builder is liable for the materials, labour and extra time to finish the work.

If you own and/or hire equipment for you job your will be liable for their replacement should they be damaged or stolen. Own plant cover is insurance for the equipment you own. Hired plant cover is for that which you hire. It is possible to get yearly rates on hired in cover so if you make regular hires in a year, speak with your adviser about which might be the best option for you.

With hundreds of different types of trade there are a variety of different optional insurance features, including the below:

Jury service

This will protect your income if you are called up for jury service during a contracted job.

Personal accident

If you run your own business, a sickness or injury that stops you from working can be a worry. Personal accident insurance covers you for these eventualities and can even include personal injury and death. There are many different levels of cover, for more information speak to your insurance adviser.

Tools

Cover for your business against theft, damage or loss of tools. You also have the option to cover them when left in your vehicle overnight.

Efficacy cover

This protects you against an insurance claim from a customer where the product that has been sold, or service that was provided, failed to do the job it was intended for. For example, if you install security alarms and a faulty installation led to a successful burglary of the property, you could be held liable.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.