In your line of business you are the strong foundation. For that foundation, you need coverage against property damage and physical injury. Public liability insurance covers you for just such a thing. Your tools are the heart of your trade and thus insurance can cover them as well, in case of damage and need of replacement. Plus your employees and yourself are the backbone and deserve to be covered as well so you can always have peace of mind. Even if those that you have working for you are just for a short time, employer’s liability insurance covers just that and is in addition to your public liability insurance needs.
The core of a bricklayers insurance policy will normally be public liability insurance, it's an often vital cover for yours and most other trades, as it can protect you if someone is injured or their property is damaged due to your business. Tradesman Insurance 4U offers between £250,000 and 5 million in cover, to protect you against any costs incurred.
Even if you’re not operating heavy machinery, you might still work with high-end equipment such as a laptop or desktop. These specialised tools for work can also be damaged, so we highly suggest that you consider availing of our business equipment cover options to protect you from day to day risks and ensure smooth work operations.
Having professional indemnity insurance is deemed vital for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give out faulty advice that causes financial loss to a client. You can avail of the professional indemnity insurance as standalone coverage or in combination with another policy. Here at Tradesman Insurance 4U, we can offer between 50,000 and 5 million pounds in professional indemnity coverage.
Besides having to cover for your employees and other people, you also should be concerned about getting your own insurance coverage. Having personal accident insurance can alleviate your burden of having to deal with loss of income and incurred medical costs should you suffer from an accident.
Another popular type of insurance among tradesmen is tool insurance, which guarantees that you’ll have supporting coverage should there be any issues with major company properties, including loss, damage, or theft.
Researching other businesses that are in your trade, as well as asking your clients what level of public liability cover they expect, can help you make wise and often business saving decisions, should accidents happen to you or your company.
Need more details? You can find out more about cover options that can help protect your business in the long run, by heading to our insurance cover types section. Simply choose the cover options you’re interested in and find out everything you need to know — if you don’t know where to begin, you can check out our business insurance FAQs.