Tradesman Insurance 4U FAQ's

A tradesman refers to an individual who specialises in a trade or craft that requires specific skills. As a tradesman, you are a professional in your field where you may work from your home, outside your home or even on the property of your clients. Examples of tradesmen include plumbers, electricians, builders, painters, dog walkers, cake makers and more other occupations.

Tradesman Insurance is the business insurance cover that protects these professionals against any eventualities that may occur in the course of their work.

If you work in trades you will know using the right tools for the job makes the job easier, faster and done to the proper standard. Your insurance should be right for you too. Making sure you are covered for all eventualities is just as important as charging your drill or cleaning your brushes. Trades insurance gives you multiple sections to cover your Public & Employers Liability, Tools, Stock and if you are unable to trade cover for Personal Accident or Business interruption.

Business Compare is the smart way to find tailor made cover and the most competitive price for your cover. You can decide what is important, what levels of cover you need and if you do not need certain covers they can be excluded. You have complete control.

You know your business needs and we can provide a fast, simple and assured way for you to get covered. When considering your policy be sure you consider each aspect of your business. We will go through the market to find you a competitive price.

We all strive to get it right in everything we do. However, we end up making mistakes which are part of the human nature. The nature of the tradesmen’s work poses more risks than other occupations. The work involves manual labour and the use of dangerous tools. The risks can arise from unforeseen accidents or even negligence on your part or someone else in your business. Either way, you are liable for compensation costs resulting from the damage. Some of the eventualities include accidental fires from heat equipment, spilling paint on your client’s carpet or occasioning damage on pipes while undertaking plumbing works. All these eventualities may give rise to multiple legal actions against you. That is where Tradesman Insurance comes in handy. It covers your equipment, compensation costs, your ongoing works and more other important aspects.

Public Liability cover is the only standard core insurance covering any liability to bodily injury and/or property damage to a third party stemming out of the work that you carry out. However, if you have employees who are not part of your immediate family, the law requires you to add Employers Liability cover to your policy. 

Your standard Tradesman Insurance policy may not cover all the important aspects of your work. That is why it is important to add what are referred to as 'boltons'. There are many options that you can consider combining with your Tradesman Insurance policy. Be sure to choose the cover that is ideal for your trade. Here at Tradesmaninsurance4u, we can help you choose the right Tradesman insurance cover. Our insurance specialists will give you all the information you need plus the most competitive quotes you can get in the market. We are dedicated to ensuring that your trade is adequately covered and protected.

If you have anyone who is not part of your immediate family working for you in any capacity, you are under a legal obligation to have Employers Liability insurance covering injury and/or sickness claims from your employees. According to the law, this cover should be at least 5 million. If you fail to have this cover in place, you are liable to pay a daily fine of up to 2,500. It is overly important that you check if you need to have this cover to avoid paying the fines.

Who is responsible for the materials and works under the terms of the contract?

If the contract stipulates that you are responsible for all works, whether permanent or temporary, as well as the materials used, it is wise to take Contract Works or Contractors All Risk cover. With this cover, you are protected against liability for any damage occasioned to the property you are working on during the time the contract is in force. When carrying out renovations or extensions, it is inevitable to make some alterations. The existing building insurance may not cover for these alterations making Contractors All Risk cover essential.

Do you use tools and/or laptop in your trade?

If you are a tradesman or a contractor, then you must have your tools and equipment that help you in your operations. These tools and equipment can be stolen or even damaged in the course of your work. Replacing and repairing these tools and equipment can be very costly and this can cripple your business. The good news is that there is Tools, and Laptop cover that you can take to cater for the cost of replacing and repairing the insured tools or laptop.

Accidents at work have undesirable consequences. They can result in injuries, hospitalisation and in severe cases, permanent disability or even death. You can consider Personal Accident cover to cover yourself and other people against the accidents. Under this cover, a tax free lump sum is paid out in the case of an accident that results in permanent disability or any other identifiable physical injury.

If you are a sole trader or a partner in business, you are primarily the employer. Therefore, you are offered no protection for bodily injuries as a result of negligent acts of your staff or fellow partners. The reality is that you can be injured at work regardless of whether you are the employer or the employee. Here at Tradesmaninsurance4u, we have some policies that enable us to add Injury to Working Proprietors or Partners cover to your Tradesman Insurance policy. The cover gives you not only protection but also the peace of mind. For more information on this type of cover, be sure to check on us. 

As a tradesman or contractor, you can be the owner of the plant or machinery you use. If the items don’t belong to you, then you could have hired them. Either way, you are the one to bear the financial burden should any of them get stolen or damaged. Plant and Machinery cover relieves you the burden of bearing the cost of replacing or repairing items that have been insured against theft, fire and storm among other risks. 

As a tradesman, you may be involved in a legal dispute resulting from a breach of contract, refusal to settle the bill or claims of unfair dismissal. You may find yourself on either side of the dispute, that is, as a claimant or defendant. Legal claims can be costly, and that is why you should add a Legal cover to your Tradesman Insurance policy. It covers the costs associated with initiating or defending a legal claim. Apart from covering the legal costs, some policies provide other services such as online legal services, tax advice and counselling helpline.