As insurance brokers with expertise in providing insurance for tradesmen, we work with a wide range of some of the UK's top insurance companies to help you find the best policy available for your individual needs. . As a tradesman, it’s important that you cover your Liability with Public Liability insurance, and Employers Liability insurance if you have employees.
Many of our tradesman also protect their tools, equipment, as well as protecting against any personal accidents they may have. They know that getting properly protected against any incidents is vital so that they can continue trading if anything goes wrong while on the job. As tradesman insurance brokers, our experts can help you find the tradesman cover you need for your unique circumstances.
As a tradesman you need an insurance policy that is designed to protect you and your business from insurance claims made by the public. It’s recommended any self-employed or sole trader that has any interaction with the public during their trade gets Public Liability Insurance. Public liability covers you against damage to other people’s property, or injuring a member of the public as a result of your business. You can find out more about Public Liability here
Attached to your Public Liability insurance you can get your tools, equipment, plant, personal accident insurance, contract works and legal expenses insurance included with your cover.
If you employ anyone in any capacity you will require Employers Liability insurance. This includes self-employed contractors but not official Subcontractors. An official Subcontractors is someone that is a specialist in their own trade who operates separately to you. There are other exemptions as well.
You can be fined up to £2,500 per day that you have not held the correct Employers Liability insurance. This can be back dated to the point you should have held it. You can find out more about Employers Liability.
As a tradesmen sometimes you will be responsible for some design or surveying work as part of a contract. Alternatively, your trade may have a large aspect of design or consultancy work. In these instances it is worth considering Professional Indemnity insurance.
Professional Indemnity insurance is designed to cover you for constructing or designing something wrong that causes you client a financial loss. You can find out more about Professional Indemnity.
If you have multiple vehicles, it might be better value to insure them in a single fleet policy. This could save you time and money with one policy, and one renewal.
If you own a building used for any business, that you either rent out or operate from it yourself – we can help make sure it’s insured correctly and can be provided in a business insurance package.
Our Van Insurance can keep you and your van on the road no matter what life has in store. Our great features and optional extras can keep you safe and protected.
We can get great cover for houses and homes of any size and type. Whether you live in an old house or a new build we can help you get good value, hassle-free home insurance.