You can tailor your tradesman insurance plan coverage to your personal business needs. So, if you’re a sole trader, partnership, or own a limited company we will have a policy for you.

Types of cover:

• Public Liability : 

It protects your commercial enterprise from claims that can also arise as a result of accidental injury or injury that a patron or a member of the public suffers in connection with the work you carried out. This can be each at your premises or at the customers if they for instance trip over your equipment they may make a claim in opposition to you for the accidents they suffer. This is the place the public legal responsibility cowl would cover your felony charges and any compensation that should be due as an end result of the claim.

• Professional Indemnity:

 If you grant expert recommendations you are selling your knowledge and understanding to the customer. You ought to be doing this in many extraordinary ways such as producing designs and providing consultancy or advisory services. If your customer accuses you of giving wrong advice that led to them suffering monetary loss, they may bring a claim in opposition to you. 

For example, you are an electrician and have certified that the wiring has been installed correctly, however, in consequence, there is an electric-powered fault that causes a fireplace and burns down the building. The professional indemnity insurance plan will cover costs for damages or compensation claims towards the work.

• Buildings cover: 

You should add a cowl for your business premises such as your office, garage, or workshop.

• Plant tools (owned or hired): 

whether or not a piece of plant equipment or equipment is hired or owned it could be included for loss, theft, or damage.

• Stock: 

Provides a tradesman with cover for stock, materials in alternate and purchaser items for which you are accountable against damage, loss, or theft.