8th April 2019
Tradesman Insurance
Why do I need tradesman insurance?
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 Specialist | Agricultural Contractor | Aircraft Fitter |
| Architect | Artistic painters, sculptors or potters | Artistic metalworkers or blacksmiths |
| Bathroom Fitting | Bill posting | Boat-building |
| Bricklaying | Building | Car Mechanic |
| Carpentry / Joinery | Carpet Fitting | Carpet Upholstery |
| Catering | CCTV Installation | Ceiling Contractor |
| Central Heating | Chimneys & Fireplaces | Cleaning |
| Conservatories | Cold room Installers | Courier |
| Damp Proofing | Demolition & Clearing, | Drainage Specialist |
| Draughtsman, | Driveway Services, | Driveways |
| Dry Liner | Duct-work Contractor | Electrician |
| Engineering | Exhibitor Stand Erector | Extensions, |
| Fencing | Fencing Groundwork's | Flooring Specialist |
| Furniture Removal | Furniture Restoration | Garages & Sheds |
| Gardener / Garden Designer | Gas fitters | Glazer |
| Groundwork & Foundations | Handyman | Insulation |
| Kitchen Fitting | Lawnmower Servicing or Sales | Lift Engineers, |
| Locksmith | Loft Conversion Specialist | Loft Conversions |
| Machinery commissioning, repair and service | Market trader | Mechanic |
| Metalworker | Milk Retailer | Mobile Mechanic |
| Motor Mechanic | Paint Sprayers | Painter / Decorator |
| Pest Control | Photography | Pipework Contractors |
| Plasterer / Renderer | Plumber, | Property Maintenance |
| Refrigeration | Restoration & Refurbishment, | Road Maintenance |
| Roofer, | Scaffolder | Security Specialist |
| Shop fitters | Shuttering And Formwork | Skip Hirer |
| Solar Panel Installation | Specialist Tradesman | Steel Erector |
| Steel Fabricator | Stoneworker / Stonemason | Surveyor |
| Swimming Pool Specialist | Tiler | Tool Hire |
| Traditional Craftsman | Tree Surgeon | TV / Radio Repairs |
| Vehicle Buy & Sell | Vehicle Mechanic | Vehicle Modifications |
| Vending Machines | Ventilation & Air Conditioning | Waste Disposal |
| Welders | Window and Conservatory Specialist | Window 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.
