As trades people face different risks to other sectors and industries, the insurance policies that they require will need to be catered to their risks. This could include the following cover but not limited to:

• Employers liability insurance – mandatory if you have any employees, work experience individuals or volunteers. This also includes any close family or friends who may be helping you out once a week.
• Public liability insurance – protection towards any claims from the public who has alleged that they have been injured or their property damaged by your business
• Professional indemnity – provides cover towards any claims from your clients who have alleged that you have made a mistake or you’ve been negligent.
• Commercial vehicle insurance – Cover for any vehicles that you’re using for business purposes such as driving to work sites and suppliers
• Plant Insurance – Cover towards large equipment and plant that hire or own such as cherry pickers, excavators and diggers.

Cover for Tools & Equipment

Some insurance policies may exclude theft of tools from unattended vehicles. However, we have a provider who offers Vehicle Tools Insurance cover.

• Overnight cover for tools in the van
• Excess of £100 – the market excesses range from £150 – £450
• Claims settlement within 5 days – the market average is 5 weeks
• Personal effects covered up to £350 – the market tends not to provide personal effects cover

This specific cover isn’t part of a Trades person insurance policy but an additional type of cover.

Call us directly or complete our quote form and we’ll conduct a full review of your business’ insurance needs

We will approach our panel of insurers to find cover that meets your requirements at a competitive rate

Once agreed, your policy will start and you’ll be protected towards several eventualities.