A tradesman’s insurance policy is designed to provide a basic level of cover required by the smaller contracting business. 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 tradesman’s policies are restricted to a maximum number of working persons, usually a maximum of ten.
But to ensure you have the correct levels of covers, including any additional insurance you may need, it is always a good choice to have your insurance arranged by an insurance broker. When working with us, we will:
- We work with you to fully understand your business and the risks you face
- We then work with our partner insurers to design an insurance policy that covers you and your business
- We will present to you the options available and recommend the best policy for you (including the cover, policy limits and exclusions, and price)
- Employers’ liability
- Public liability – with varying levels of indemnity as required
- Contract works – to protect the materials you are using both on site and in transit
- Options to extend to cover your tools and plant
- Option to extend to cover temporary employees