If you’re working on site, in a customer’s home or on other premises, this policy protects you, a partner or employee should a customer claim against you for an accident that causes injury or damage and provides compensation to correct your mistakes as well as cover any legal costs.
If a painter and decorator accidentally spills paint over a customer’s carpet whilst working. The tradesman would be liable for the cost of replacing the damaged carpet.
Public liability is the core element of insurance in this policy however; there are other optional covers which can be included to protect your business needs.
You should consider tradesman insurance if you:
Types of businesses that would typically have tradesman insurance include:
This is not an exhaustive list as many businesses can require tradesman insurance.
Note: Some trade associations will not allow you to register with them unless you have public liability insurance. Some businesses and Local Authorities will also ask you to provide proof of public liability insurance with a certain level of cover before they will do business with you.
Cover can vary depending on your individual needs, but commonly include:
If you rely on your van to do business, you have far more to lose from accidents or breakdowns than the repair costs alone. Commercial vehicle cover can help towards repairs and the cost of a temporary replacement van.
A tradesman’s toolbox can contain thousands of pounds worth of equipment – plus much more in money-making potential. Tool cover protects you against expensive replacement costs should your power tools or hand tools get damaged or stolen.
Personal accident cover is designed to pay out a lump sum if you or anyone who works for you gets seriously injured or loses their life on the job.
Please note this is not a comprehensive list. Additional covers are available to ensure your business is suitably protected.