Tradesman Insurance

Tradesman insurance includes public liability, product liability and environmental liability cover as standard. This protects you from claims made involving damages or injury to the public and their property but you may need additional cover like business interruption and contents cover for example.

Public liability insurance for tradesmen is recommended both to protect your business and give you peace of mind. A lot of trade associations will also ask for this, but essentially it protects you and your business against claims made by the public if they suffer injury, loss or damage to themselves or their property through negligence on your part.

Employers’ liability insurance is the only legally required type of cover for tradesmen (for those who have employees). Other forms of insurance, such as public liability cover and tools protection, are not required by law but they can provide the financial protection your trades business may need to survive and prosper.

All insurers will ask that you take reasonable steps to protect your property from theft or damage. Leaving expensive hand tools or power tools on site is risky, however if reasonable precautions have been taken to secure them, for example, locking the building that you are working in and controlling access through limited key holders, then these could potentially be covered.

Contractors all risk, sometimes referred to as contract works insurance, construction all risk insurance or builders risk insurance provides cover for risks on work that is underway on a building or construction site.
A contractors all risks policy, as the name suggests, typically covers the risks normally associated with a construction project.