You’ll need to tailor your tradesman insurance policy and choose only the cover you need for your business. There are lots of options to consider, whether you’re employed full time or need self-employed tradesman insurance, here are the main ones:
Tradesman public liability insurance covers any compensation costs and legal fees you may have to pay if a member of the public injures themselves, or has their property damaged, as a result of your business activities.
As a professional, you’re selling your knowledge and expertise to customers. This could include, for example, providing consultancy and advisory services, or producing designs.
Professional indemnity cover is a type of tradesman liability insurance that can protect you in situations where negligence results in clients suffering financial loss as a result of errors in your work. In these situations, they could claim against your business for compensation.
Professional indemnity insurance can cover the cost of any ensuing compensation, the legal costs you might be faced with, and help to keep your business on its feet.
Business equipment insurance
This provides cover for your business equipment, whether it is lost, stolen or accidentally damaged whilst in the UK.
A type of business equipment insurance, this covers your hand tools and power tools in the event of loss, theft or accidental damage. You can also choose whether to protect your tools whilst they’re left in your vehicle overnight.
Contract works insurance
Contracts insurance provides a business with cover should they be unable to fulfil their obligations as part of a project/contracts site. You should check with the client whether this is required for instances where you might be liable to repair or redo work due to damages caused by flood, fire and theft.
This protects your stock, materials in trade, and any customers’ goods for which you are responsible.
Own plant insurance
This provides cover for any accidental loss of, or damage to, an item of your plant.
Hired in plant insurance
This covers your legal liability under the terms of your hiring agreement to pay compensation for any damage to hired-in plant.
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