Tradesmen, contractors & construction insurance
Who it’s for
If you run or are responsible for a business, either as a sole trader or a limited company and you fall within one of the following categories, then it is likely that you will be able to purchase a tradesmens insurance package policy.
A tradesmens insurance package policy is designed to provide a basic level of cover required by the smaller contracting business. The policy includes three levels of insurance cover. These are employers liability insurance, public liability insurance tools insurance cover. Should additional covers be required such as contract works and hired in plant and equipment then the more suitable business insurance policy is a contractors combined policy. If you require a contractors combined business insurance policy, please call Businessinsure on 08456 024 589.
Why it’s important - examples
The main benefit of a tradesmens policy is that it is priced on a per capita or number of people (employees and directors or partners). This makes the policy usually more competitive as it is quicker and easier to provide a quotation. Most tradesmens policies are restricted to a maximum number of working persons, usually a maximum of ten.
How businessinsure can help
As independent business insurance brokers, we have years of experience helping obtain quotes and cover for all types of construction and tradespersons insurance.
Whether you are looking for a public liability insurance quote, a full contractors combined insurance policy, contract works insurance or unpccupied building insurance – we can provide you with a quick and competitive quote.
More information
Aerial/Satellite dish installers
Brick layers
Builders
Carpenters
Joiners
Carpet fitters
Carpet cleaners
Upholstery cleaners
Ceiling contractors
Chimney sweeps
Cleaning contractors
Curtain installers
Blind installers
Domestic appliance installers
Domestic appliance repairers
Double glazing installers
Drain cleaners
Electricians
Exhibition stand erectors
Fencing contractors
Fitted furniture installers
Fitted kitchen installers
French polishers
Gardeners
Landscape Gardeners
Glaziers
Heating engineers
Heating and ventilation engineers
Painters and decorators
Plasterers and artexers
Plumbers
Shopfitters
Signwriters
Stone masons
Tiling contractors
Window cleaners
Whilst the policy is fairly simple, because it is only made up of three sections, public liability insurance, employers liability insurance and tools insurance, you should ensure that you obtain your insurance quotation in writing and read through this thoroughly.
The old adage “the cheapest is not necessarily the best” is certainly true for business insurance and commercial insurance which includes surgery insurance. Businessinsure will always provide you with a full written quotation based on your insurance requirements that we have discussed. Whilst we can advise you that we feel a quotation is suitable for you, you should always ensure that any business insurance quotation that we provide to you provides adequate insurance protection for your business.
Tradesmens insurance policy wording summary of cover
Public Liability
Public Liability and Products Liability
Limit of indemnity £1,000,000 (any one claim) unless otherwise shown on the schedule
Limits of indemnity of £2,000,000 and £5,000,000 are also available. £5,000,000 limit of indemnity is only available for certain categories or trade.
Products liability is only included in respect of products supplied in the course of a contract
Employers Liability
Employers’ Liability
Indemnity Limit up to £10 Million (inclusive of legal costs) unless otherwise shown on the
Schedule
Tools and Equipment
“All Risks” Cover on Tools and Equipment not exceeding the Sum Insured shown on the
Schedule
Sums insured available up to a maximum of £1,000 each employee or £1,500 each employee
Quoteline: 08456 024 589 (local call rates apply)
Quoteline: 08456 024 589
- Rapid cover
- Competitive pricing
- Expert knowledge