Contractor Insurance – Cover for All Other Trades

Frequently Asked Questions

What other policies are recommended for tradesmen?

Although the above are the foundational policies that all trades insurance packages should include, various other policies can be bundled to provide extra protection. Other policies tradesmen tend to include are:

• Professional indemnity insurance: This policy covers you if a client claims that your professional advice or recommendations caused them financial loss or damage.
• Commercial vehicle insurance: If you use a vehicle for work, this covers any damage to your vehicle or its contents, as well as protecting against accidents and theft.
• Workers’ compensation insurance: For businesses with employees, workers’ compensation insurance covers medical costs and lost wages if an employee is injured at work, helping you comply with regulations and protect your team.
• Contract works insurance: Protects against damage to construction projects during work, ensuring you’re covered while your project progresses.

If you’re unsure which policies to include, speak with one of our experts. We’ll assess your business’s key risks and create a policy that suits your operations.

How do I make a claim if something goes wrong?

If you need to make a claim, our experienced team is here to help. We will guide you through the process, liaise with insurers on your behalf, and ensure that your claim is handled efficiently and effectively. Our goal is to minimise the stress and hassle associated with claims, allowing you to focus on getting your business back on track.

What influences the cost of my insurance premium?

The cost of your insurance premium depends on factors like the type of work, project size, number of employees, and your claims history. We’ll help you find a competitive insurance policy that balances coverage and affordability.

What does public liability insurance cover?

Tradesman public liability insurance typically covers claims for property damage or bodily injury to third parties caused by your work. This can include accidental damage to a client’s property or injury to someone while you’re on-site.

Can I bundle multiple policies together?

Yes, bundling policies is a great way to simplify your coverage and potentially save on premiums. You can combine public liability, tools insurance, personal accident cover, and more for comprehensive protection.

What happens if my business grows?

As your business expands, your insurance needs may change. We offer flexible policies that can grow with your business, ensuring you have the right coverage as you take on larger projects or more employees. It’s important to review your trade cover regularly to ensure it’s still suitable for your business.