less than 1 min read
8th April 2019

Tradesman Insurance

plumber
Photo by Jarmoluk from Pixabay

Why do I need tradesman insurance?

Tradesmen

Tradesman insurance is important if you work on site, in a customer’s home or other premises.

The main element of cover is public liability insurance, which can be combined with a range of other cover options such as tool cover or employer’s liability insurance.

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 and 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.

What trades can you cover?

We can provide cover for the following business trades:

Aerial / Network SpecialistAgricultural ContractorAircraft Fitter
ArchitectArtistic painters, sculptors or pottersArtistic metalworkers or blacksmiths
Bathroom FittingBill postingBoat-building
BricklayingBuildingCar Mechanic
Carpentry / JoineryCarpet FittingCarpet Upholstery
CateringCCTV InstallationCeiling Contractor
Central HeatingChimneys & FireplacesCleaning
ConservatoriesCold room InstallersCourier
Damp ProofingDemolition & Clearing,Drainage Specialist
Draughtsman,Driveway Services,Driveways
Dry LinerDuct-work ContractorElectrician
EngineeringExhibitor Stand ErectorExtensions,
FencingFencing Groundwork'sFlooring Specialist
Furniture RemovalFurniture RestorationGarages & Sheds
Gardener / Garden DesignerGas fittersGlazer
Groundwork & FoundationsHandymanInsulation
Kitchen FittingLawnmower Servicing or SalesLift Engineers,
LocksmithLoft Conversion SpecialistLoft Conversions
Machinery commissioning, repair and serviceMarket traderMechanic
MetalworkerMilk RetailerMobile Mechanic
Motor MechanicPaint SprayersPainter / Decorator
Pest ControlPhotographyPipework Contractors
Plasterer / RendererPlumber,Property Maintenance
RefrigerationRestoration & Refurbishment,Road Maintenance
Roofer,ScaffolderSecurity Specialist
Shop fittersShuttering And FormworkSkip Hirer
Solar Panel InstallationSpecialist TradesmanSteel Erector
Steel FabricatorStoneworker / StonemasonSurveyor
Swimming Pool SpecialistTilerTool Hire
Traditional CraftsmanTree SurgeonTV / Radio Repairs
Vehicle Buy & SellVehicle MechanicVehicle Modifications
Vending MachinesVentilation & Air ConditioningWaste Disposal
WeldersWindow and Conservatory SpecialistWindow Cleaner
Woodworking

What Tradesman Insurance cover?

It will automatically include Public Liability Insurance but you may wish to add optional covers such as:

  • Personal accident
  • Employers liability
  • Business tools, plant and equipment
  • Hired plant
  • Business premises
  • Stock

Why is tradesmen insurance necessary?

Not all tradesmen want to buy insurance before they start work but it could prove to be a worthy investment in the event of any claim. These days it could be considered more risky to be in business without this kind of policy as the general public have a better understanding of what could constitute a claim and are more aware about their rights when it comes to below par workmanship.

Having tradesmen insurance in place could be a selling point as it enables clients to know that cover in place if something was to go wrong. It will also give you the tradesman peace of mind knowing that you have some level of protection if a claim were to be made against you and your business.

It may also be necessary for some contracts that you have tradesman insurance in place, meaning it could be the difference between getting a particular job and being passed over in favour of someone else.


Why choose us for your Tradesmen Insurance policy?

Our tradesman insurance is available to self-employed people whose business is based in the United Kingdom.


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