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What is tradesman insurance?

You’ve studied hard to learn your trade, and now as a fully qualified professional you need to ensure you have adequate and correct insurances in place to cover yourself, the public and the end client whilst undertaking your work, especially at third party sites.

Standard cover includes stock, public liability, employers liability, plant, tools and equipment, hired in plant and equipment, goods in transit, contents cover, buildings cover, business interruption, terrorism cover, and business equipment. Optional extras include professional indemnity, cyber cover, directors & officers, legal expenses, fleet and personal accident.

You’ve put a huge amount of effort into setting up, establishing and growing your business, but no matter how careful you are things will go wrong. Ensure you give yourself complete peace of mind should the worst happen and be safe in the knowledge that you, your customers and their property will be ok and you can continue to trade.

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Tradesman Insurance Policy Features

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Liability cover

Protect your business against claims from both the public and the employees who allege physical injury, death or damage to their possessions as a result of an accident on your premises, caused by you or your equipment, property or error. As an employer, employers liability is a legal requirement.

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Tools

Covers your tools that you use on a day-to-day basis to perform your profession that are lost, stolen or damaged. Cover can be extended to include tools that are left in your vehicle overnight. Cover is for the smaller portable tools so it doesn’t extend to plant and machinery etc.

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Equipment and plant

Equipment covers laptops and phones etc. Own plant includes general building and construction equipment i.e. cement mixers, generators and scaffolding. Hired-in plant tends to be expensive items used occasionally for certain contracts such as cranes and dumpers.

Common tradesman insurance questions

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How's it different to contractors combined?

Tradesmen tend to be individuals working on their own and who are specialised in a profession i.e. electrician, plumber, whereas companies with employees take out contractors combined as it is aimed more at larger construction works.

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Optional insurances

– Contract works
– Legal expenses
Stock and materials
– Cyber cover
– Office cover and more…

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What type of businesses can you cover?

– Sole traders & partnerships
– Contractors
– Limited companies
– Limited liability partnerships