As your job is vast and wide-spread, you have many tasks to oversee and ensure completion of. From overall planning, coordination, meeting with clients and making sure certain expectations are met, your job can be exhausting. Insurance shouldn’t have to be something else you need to worry about. You need a company that has everything you need in one place and for a reasonable price. Lets face it, accidents happen, but having the right insurance can cover you for any eventuality.
In your line of work, having contract works insurance for example, prepares you for any possible problem that might occur during any part of the construction phase. This makes sure you’re covered in a situation when you're directly held responsible for any partly completed work. Find out more about contracts works by clicking here.
Whether it's £500,000 or £10,000,000 you need, we've got you covered.
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Offering specialist tradesman insurance policies to construction professionals in the UK, we've got you covered no matter what the scenario.
It's highly unlikely you'll find an insurance company who will advise the limit of cover you need, mainly due to liability reasons. Our team of advisors will be happy to discuss your options and help find the policy that suits your needs best, however the amount and type of cover will be your responsibility to decide.
In some cases your job may stipulate the amount of liability cover you require. Many industry organisations and professional bodies could also prove a good source of information and be able to offer advice. At Tradesman Insurance 4u we offer between £500,000 and £10 million in public liability liability limit of cover for Construction Managers.
Public liability insurance is a cover designed to protect you and your business from various compensation claims. Public liability insurance can protect you and your business from the following:
For example, if you are a scaffolder and dropped a pole on a clients foot, or if you're a painter and decorator and were to spill a tin of paint on a clients carpet, you could face a compensation claim.
Professional indemnity insurance is designed to protect your business from compensation claims made by a client due to mistakes made in your work. It can cover you from the following:
It'll often be useful cover if your business provides provides advice or expertise to third parties, it's is a must for any company whose clients might suffer financial loss as a result of your advice, services or designs. For example, if you're an electrical contractor who's design or implementation has caused a malfunction, you may face a compensation claim that having professional indemnity insurance would greatly benefit you.
Although not legally required, as most business come into contact with the public one way or another, public liability insurance is normally very useful to have for your business. You'll often find some contracts will require you to have a certain level of public liability insurance before you can start work.
Public liability insurance is particularly important for construction workers and shop owners, however if your business comes into contact with the general public, it'll be useful for your business.
It largely depends on the type of work you do and what type of business you have. As a sole trader working on a building site you may just require public liability insurance to protect you from injury compensation or property damage claims, but if you need insurance in the case of giving advice, to cover your tools or employees you'll require a policy including extra cover. You can find out all you need to know regarding cover types by reading our FAQ's and insurance cover yypes in full.
Whether you're an Construction Manager operating as a business or on a self-employed basis, you'll need a specialist insurance policy to protect how you earn your living. Often you'll need a policy with a range of cover options such as public liabilty, employer's liability, property damage cover and professional indemnity. If you're unsure of what cover you need one of our advisors will be happy to guide you, just give us a call on 02071 185247.
Although also providing cover for complensation claims, professional indemnity insurance is a different insurance product, offering protection against different types of claims due to mistakes. Professional indemnity insurance can be a standalone policy in some cases, or an addition to public liability insurance.
Professional indemnity insurance does not provide cover against bodily injury, it's purpose is to provide cover against compensation claims due to mistakes in your work. For protection against bodily injury that's it's best to look into public liability insurance.
Although not compusory under law, some professions, including solicitors, financial advisors, architects and accountant require it due the rules stipulated by the relevant regulators and professional bodies. Some contracts may also require you have it before you're able to start a job.
Product liability insurance isn't required by law, however if you're a salesperson, manufacturer or supplier, you have a duty of care towards your customers. The Consumer Protection Act requires you to make sure that the goods you supply are safe. If injury or damage is caused to a customer or their property due to your product, you could end up facing legal action.
Carrying Employers’ Liability Insurance is a legal requirement for almost every business in the UK that has employees. It's purpose is to insure against liability for injury or disease to your employees arising out of their employment. You must also carry insurance for every temporary or contract worker you employ.
Construction Managers public liability insurance policies from Tradesman Insurance 4u start at £59.95 a year, or £5.00 month if you choose to pay via direct debit (applicable if your policy is over £200).
Tradesman Insurance 4u presently offers a single level for personal injury cover. Compensation can be up to £10,000 for injuries to as much as £20,000 for death. Keep in mind the maximum pay-out which one is entitled to is usually determined by the nature of the injury sustained.
For a much more in depth look at our frequently asked questions, visit our FAQ page.
We're here to help take the stress out of insurance.
The world of insurance can be daunting, especially when relating to complicated matters such as liability and compensation when a claim is being made against you. Even before an official claim has been made, the team of legal advisors we work with will be there to help you.
In terms of the claim itself, our advisors can guide you through the steps you need to take to prepare and how to further protect yourself.
To discuss your insurance requirements further, or to make a claim on an existing policy you can call us on:02071 185247
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A painter and decorator was finishing a job in a house with a newly laid carpet. They accidently dropped an open tin of gloss with obvious results. The customer claimed the cost of the carpet and the labour to re-fit a new one. The painter and decorator's public liability insurance covered the cost of the claim which included legal expenses and the compensation that was awarded.
A structural engineer was tasked with calculating the amount of steels and lintels required for a commercial project. During the construction process it became apparent that the calculations were wrong and the steel wouldn't hold the weight of the house. The project had to be restarted which resulted in a heavy financial loss and large claims made against the engineer. The professional indemnity policy the engineer had covered the cost of the claim and potentially stopped engineer going out of business.
A scaffolding business had scaffolded a house without securing it properly. In strong winds the scaffolding collapsed onto the next door neighbours house, destroying a large section of the roof. A large claim was made against the business who fortunately had the adequate public liability insurance to cover the claim against them.
A kitchen fitter was fitting some cupboards and accidentally knelt on a clients new electronic oven hub and caused it to crack. The public liability insurance the fitter had meant the claim made for a new hub and the labour to fit it were covered.
A commercial carpet cleaning company were cleaning an office carpet, the heat was too high which shrunk and discoloured the carpet. Having the right tradesman liability policy in place meant the compensation claim made against the business for a new carpet as well as fitting costs were covered.
The core of a construction Managers 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 £1 million and £10 million in cover, to protect you against any costs incurred.
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 in professional indemnity coverage.
Another popular insurance option for tradesman is our additional tool cover insurance cover, which when added to your policy guarantees that you’ll have supporting coverage should there be any issues with major company properties, including loss, damage, and theft.
From public liability insurance to employer's liability, professional indemnity to additional tool cover, we offer a wide range of insurance options to protect you and your business, find out more by heading to our insurance cover types section. If you still have more questions, head to our business insurance FAQs section or give us a call and one of our advisors will be happy to help.