What Can Tradesman Insurance Cover?

This is obviously dependent on the type of work you do, so to get the protection you need – and to avoid paying for cover you don’t - speak to your local Coversure office and they create a suite of covers to suit your needs. From various kinds of liability, to personal accident and tools cover, our tradesman insurance can include a wide range of options such as:

• Public liability – a crucial cover for most tradespeople, public liability can insure you against a number of risks that you will face on daily basis. For example, if your work causes a member of the public to become ill or they are injured and they decide to sue you, public liability cover will be there to assist you with any legal action and compensation claims. Whether you are undertaking building works on someone’s house, landscape gardening for the local council or refitting a shop, the threat of an accidental injury to a member of the public is always close at hand. Equally, should someone have their property damaged in the course of your work, you will also be covered against any claims for compensation. Public liability will most likely form the foundation of your tradesman’s policy, regardless of your specific line of work
• Employers’ liability – if you’re not a sole trader, you’ll be legally required to have employers’ liability cover. Irrespective of whether your staff are temporary, contracted, part-time or full time, if you have employees, you’ll need employers’ liability - it’s the law. It will protect you against legal costs if an employee sues you for unsafe working conditions or if an employee falls ill or is injured due to your business’ actions
• Tools cover – realistically could you keep working if you lost your tools? And if you were unlucky enough to lose them or have them stolen could you easily afford to replace them in a hurry? This is where tools cover comes in. Insuring your tools against accidental damage or theft means that if the worst did happen, you’d be able to repair or replace them quickly and so incur minimal disruption to your business
• Personal accident cover – working in a trade usually means being self-employed, and being self-employed means if you can’t work, you can’t earn. So, what would happen if you were to be injured while on the job, what then? Adding personal accident protection to your policy can protect your income, ensuring that even though you can’t work, you can continue to put food on the table
• Construction plant – if you have heavy plant machinery such as diggers, cherry pickers or even forklifts, be it your own or hired-in, then construction plant cover can protect you against the costs of repair or replacing your equipment should something go wrong. As bills for this type of equipment can easily run into the thousands, the modest premiums of construction plant insurance could be a wise investment
• Contractor all-risks – if you store materials and have tradespeople that work under contracts, then this policy is for you. It will protect you against costs of theft or damage to your materials, and assist with costs for legal action if a contract is terminated and you’re left to foot an unpaid bill