Tradesman Insurance provides specialised cover for the hazards and risks involved in working in a particular trade. In can include cover for your tools, personal accident and for public liability and employer’s liability
Why do I need Tradesman insurance?
If you own your own business and you contract to do work in peoples’ homes and places of work, you need to make sure your business is protected. You may be held responsible by the courts for personal injury to third-parties or for material damages to their property. It is not just the cost of damages that might be awarded against you but also the cost of legal fees to fight the case.
Tradesman Insurance ensures that should things go wrong, your business can quickly get jobs back on track for your customers and keep your reputation intact.
What does Tradesman Insurance typically include?
At Export and General we are able to provide you with comprehensive cover at a competitive price whether you are a builder, an installer or a labourer. We appreciate that every business has its own unique needs and with access to a wide range of insurers we can tailor the policy to your needs.
Public Liability Insurance: As a tradesman you will be in touch with the public on a daily basis. Public Liability insurance is designed to cover you against claims resulting from damage or injury to a third party or material damage to their property. Our policies include Product Liability Insurance as standard.
Employers Liability Insurance: If you employ people (even temporarily) you must have Employers Liability insurance by law. We can provide up to £10,000,000 of cover for both permanent and temporary employees.
Business Legal Protection Insurance: Legal Expenses Insurance protects your business against a wide range of legal costs including:
- contract disputes (including recovering debts owed to you by your clients)
- tax enquiries (Including IR35)
- employment disputes with former employees.
Tool and Business Equipment Insurance: You will no doubt have a series of tools and equipment that you use in the course of your business. These are likely kept in your van, on site, and on your premises. Tool and Business Equipment insurance can cover your hand-tools, power-tools and equipment against loss, damage or theft. We can also offer insurance for hired plant, machinery, stock or contents within the same policy.
Plant and Machinery Insurance: Construction plant and equipment is susceptible to a wide range of risks including theft and damage, and it is costly to replace. We have access to policies which can cover plant and machinery which you either own or rent.
Business Building Insurance: If you own your business, you will need to run it from somewhere. Business Building Insurance ensures that any impact on the building you do business from, will not have a negative impact on the running of your business.
Business Interruption Insurance: There may be times when you cannot carry out business as you normally would due to an unexpected event. Business interruption insurance covers you for loss of income during such periods with the intention of putting your business in the same trading position it was before such event occurred.
Professional Indemnity: If a financial loss, personal loss or property damage claim is brought against you by a client for a professional service you have provided Professional Indemnity Insurance provides protection. It can cover a business for compensation payments and legal fees in the event of a claim and damages being awarded against you due to error, omission or act of negligence towards a third party to whom you owe a duty of care
Popular business categories include:
- Painter and Decorator
- Domestic Cleaner
- Craft Stall Owners
If you don’t see your business category then give us a call and we can talk you through your options.
- Public liability insurance
- Employers liability insurance
- Cover for tools, materials or ongoing projects
If you don’t see the cover you require here then give us a call and we can talk you through your options.
Why Export and General?
- We do all the hard work to offer you competitive market quotes
- We access a wide range of insurers and find you the best package for your needs
- Highly experienced team with your interest at heart
- Personal service – we care about what matters to you
It doesn’t cost you anything to let us quote, but think about what it could save you.
Contact our team