Tool cover and more. Get the right cover to protect your business
Our handy tool can help drill down to the main covers relevant to your business type.
Call 0345 377 0002Call telephone number 0345 377 0002 to get advice from specialists on the insurance you need. The general line is available from 9am to 5pm Monday to Friday. You’ll have the option to buy your policy over the phone, and request instant cover.
Alternatively, compare quotes online from a panel of insurers.
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.
Protect your business against allegations about your service or the advice you provide.
Protect your business against third party claims of accidental injury or damage.
If you’re not sure what you need, call to speak to experienced tradesman insurance advisers.
Lines available from 9am to 5pm Monday to Friday
Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 020 7626 1500.
Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 119278.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.