Tradesmen’s Insurance

 

What is Tradesmen’s Insurance?

A Trademen’s insurance policy that provides cover for the most common risks facing tradesmen and women whether they be builders, carpenters, plumbers, electricians, roofers, scaffolder’s or any of the other multitude of trades that exist.

Different trades face different risks such as working at height, with heat, chemicals or heavy machinery as well as typically using different tools, equipment and subcontractors. Coverage can be tailored to the specific needs of each business but commonly cover for the following can be included:

Liabilities:

  • Employers’ Liability

  • Public and products liability

  • Professional Indemnity if you do design work

Other coverage:

  • Damage to Contract Works

  • Owned or Hired Plant and Machinery

  • Tools

  • Stock

  • Cover for any other assets

  • Goods in transit

  • Business Interruption

  • Personal Accident

Additional Coverages that can be added:

  • Vehicles/Fleet

  • Property, Offices or Workshops

  • Computers and other electronic equipment

  • Other business contents

  • Cyber Liability insurance

  • Critical Illness or Key worker Insurance

  • Management Liability

Is Tradesmen’s Insurance compulsory?

 

Aspects of a Trademen’s Insurance policy are compulsory such as Employer’s Liability whereas others provide resilience for the business and allow the business to continue trading if there is an accident or theft. Because tradesmen working on sites can often be working in high risk environments it is often a requirement by clients or project managers that all the tradesmen on a job have adequate insurance.

Where can I get a Trademen’s Insurance quote?

 

Contact us at www.fcinsurancebrokers .co.uk or call 0203 432 0270 and we will talk you through the options. We have access to a wide variety of different specialist trade insurers so we can find you the right cover for your business at a competitive price.