Tradesman Insurance

The construction industry is fraught with danger. We regularly deal with claims within the construction industry, and the list of the ways a contractor can get sued ‘on the job’ is almost endless.

There are many common misconceptions regarding what constitutes adequate cover. Did you know that if you are using a subcontractor, you must have Contingent Insurance in place for them, even if they have their own cover in place? We offer a range of covers suitable for a variety of trades and contractor types, and can also advise on a wide spectrum of associated covers that you may need.

Tradesman Insurance packages bring together the different kinds of insurance cover that you might need as a professional tradesperson in one policy. 

As a professional tradesperson, it makes sense to protect your business and your customers from mishaps, accidents and failed equipment, products or services. Mistakes do happen and they can be extremely costly.

To counteract this, a typical Tradesmen Insurance will include Product, Public and Employers Liability Insurance to provide significant protection should the worst happen, plus additional options, including cover for lost or stolen tools, cover for hired-in plant. Your policy can be extended to cover personal injury and loss or damage to your business premises, for example. You can even get cover against costly tax inspections or legal disputes.

The amount of cover you need totally depends on your individual business, the kind of work you do, and the likely risks you may encounter and so every policy is different.

Buildings can be at that most vulnerable when in a state of incompletion or repair, which is precisely why there’s a dedicated insurance policy to protect it.

Contract Works Insurance protects against the same perils as those presented in a building insurance policy, including fire, flood, storm, malicious damage and theft. However the risks can be heightened, with raw materials left on site, and incomplete extensions more vulnerable to the elements than a fully constructed building that is better shielded.

Our advisers can take a look into your individual project and the protection it’s likely to need, with cover which can be extended to protect hired in or own plant, your tools and your employee’s tools.

As well the work in progress, a Contract Works Insurance policy can also protect your responsibility towards any adjoining buildings, ensuring that any damage you may inadvertently cause can be compensated.

We recommend this cover as an essential for general builders, bricklayers, shop-fitters, and many other trades who work on existing buildings, to them from a potentially huge cost through project setbacks or building damage.