Tradesman insurance

Tradesman insurance can cover almost every business need:

Public liability

Public liability insurance protects you if someone is injured, or their property is damaged because of the services that you or your business provides. This type of cover, also known as PL or liability insurance, is designed to protect you against third party claims for injuries or property damage from a customer or client, passer-by, or a visitor to your business premises – including building sites – whether you’re at fault or not.

Professional indemnity

Professional indemnity insurance – also known as professional liability insurance – covers businesses and individuals that advise clients, help them navigate complex business affairs, such as architects, designers and chartered surveyors, or who provide customers with vital information that may be published in the media. Professional indemnity (PI) can protect you if a client makes a financial loss because of fault in your work or advice and then makes claim against your business. 

Employers’ liability insurance

Under the Employers Liability Act of 1969, employers’ liability insurance (EL) is a legal requirement for most UK employers. EL protects you and your employees, (including those who no longer work for you), should they be injured or become unwell as a result of working for your business. EL typically covers the associated legal and compensation costs, and other damages of such events, but it can also cover accidental injury or damage caused by an employee to a third party, like your customers. 

Business interruption insurance

Business interruption insurance can replace any business income you lose due to events beyond your control – for example, a fire, flood, natural disaster or illness stops you working, or causes your customers to cease payment of your invoices.

Tools insurance

Tools insurance, also known as portable equipment cover, protects the machinery and equipment you take from job to job. This includes things like hand and machine tools, generators, lighting rigs, tech devices, ladders, and testing equipment. The portable nature of these essential items makes them more prone to loss, theft, damage, and accident, and their replacement can often be expensive.

Insuring your stock

Stock insurance is a specific type of business contents cover. It pays the cost of replacing or repairing your stock or inventory in the event that it is partially or totally lost, destroyed or damaged due to fire, theft, flood or malicious damage. 

Goods in transit insurance

Goods in transit insurance (GIT) protect yours or your customer’s property or goods if they are lost, damaged or stolen while they’re being moved from A to B. For example, when they’re being transported from a factory to a retail outlet or being moved from a warehouse to a port for export.

Commercial van insurance

Commercial van insurance covers your work vans and any personal contents you are carrying, such as your professional tools, from accident, fire or theft. Van insurance can also cover any goods or materials that you are transporting and protect you when you’re travelling to multiple places on business as well as your daily commute. For an extra charge, most insurers will offer other insurance options, such as courtesy van hire and breakdown service and recovery. This can minimise the impact on your business if your van is off the road due to an accident.