Tradesman insurance – Compare Leading Insurers
Our tradesman insurance online quote form is quick and easy to complete
- instant cover available
- download your policy documents
- use debit card or credit card (no charge)
- Very competitive tradesman insurance premiums from leading insurers
Tradesman Insurance cover is available for:
- Public Liability up to a limit of £5 million.
- Employers Liability at a limit of £10 million.
- Tools and business equipment (optional)
- Contract works, tools, own a and hired in plant (optional)
- Personal accident (optional)
- Commercial legal expenses (optional)
Your basic tradesman insurance cover requirements are Public Liability Insurance and Employers Liability Insurance if you have anyone working for you.
Our on-line tradesman insurance quote will provide an instant quote, however you might want to clarify your best options or details and if this is the case please call our builder insurance specialist staff, on 01480 402 460. We’d be delighted to assist.
Why do you need Tradesman Public Liability Insurance?
As an experienced trades person you will know stories of associate who have unfortunately experienced an accident, even though you know them to be careful professionals.
The HSE have worked with the building trade to reduce the number of accident but sadly accidents do happen, even to the most careful of people.
Tradesman insurance will give you protection from increasing trend of injured parties, encouraged by TV ads, texts to their mobile phones or by family and friends, to seek compensation.
Tradesman Insurance provides an indemnity up to your selected limit against the unpredictable cost of injuries and property damage involving directors, business partners, employees, labour only subcontractors and bona fide subcontractors who hold their own insurance.
We are able to provide immediate quotes cover of £1 million, £2million or £5 million.
This may sound like an excessive amount of tradesman insurance cover, however with increasing focus being placed on compensation a personal injury claim made against you especially if someone was badly injured would have significant consequences to your business.
Tradesman Employers Liability Insurance, the Business Benefits.
If you have someone working for you be it an employee or even a subcontractor who is not your direct employee but is acting on your instruction, you are legally required to have builder employers liability insurance.
Legal Definition of an Employee
Any person while working for you in connection with the business who is:
- Under a contract of service or apprenticeship with you.
- A person under a contract of service or apprenticeship with some other employer and who is hired to or borrowed by you.
- A labour master or person supplied by him.
- A person engaged by a labour only sub-contractor.
- A self employed person performing work under a similar degree of control and direction by you as a person under a contract of service or apprenticeship with you.
- A driver or operator of hired-in plant.
- A trainee or person undergoing work experience.
- A voluntary helper.
In addition to tradesman Public Liability Insurance and tradesman Employers Liability Insurance you can include within your tradesman insurance policy cover for tools, hired in plant, and your own plant.
Quality tradesman’s tools can be a major investment tools are essential to your work and without them the standard and pace of your work suffers, therefore losing income. Insuring will assist in their replacement if they are lost, stolen or damaged.
Always check the terms and conditions of your tradesman insurance policy as inevitably there will be exclusions such as tools not being covered if left in your van overnight, unless the vehicle is in a locked garage.
Contract Works can be added and this would cover your build project against theft or damage occurring.
Additionally Personal Accident cover can be included and also Legal Cover to your tradesman insurance should this ever be required.
If you would prefer to talk through your tradesman insurance with one of our builder insurance specialist staff, please call us on 01480 402 460.
