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When you run a business that involves carpentry, mechanical repair, joinery or another type of workshop, there will be a set of equipment and tools you rely on to keep things running. This means that if any of your equipment is damaged, stolen or lost, you could find yourself unable to continue your work and even financially unable to pay for the repairs or replacements required to get you back into operation.
Workshop insurance can cover you against these types of eventualities, as well as the expenses that could be associated with yourself, an employee or anyone else in the workshop being injured. You and your staff deal with specialist equipment that carries an inherent risk of injury, and if there is an incident then you run the risk of a liability claim being brought against you. These types of claims can require a legal defence, which carries an expense both in terms of paying solicitors and also the cost of fines if you are found to be liable. At constructaquote.com, we understand the needs of different types of workshop insurance needed and can help you get the right cover for you.
There are many businesses that use a workshop as their base of operations. Carpenters, joiners, mechanical or electrical repair specialists and many others operate out of a workshop, and these are the people that could find benefit in taking out a workshop insurance policy to protect themselves against the potential consequences of the risks in that environment.
Those risks are different for all workshops because there will be different types of tools and machinery, different processes and different numbers of personnel on the floor. Every workshop should be covered by the appropriate workshop insurance, and at constructaquote.com we offer workshop insurance policies that can offer you a safety net in case something should go wrong.
There are various risks involved with operating a workshop of any type. Your tools and equipment could become damaged, lost or even stolen, or the work you are undertaking for a client could actually damage their property. Furthermore, the employees and various types of visitors you may have in your workshop, could be injured or worse.
All of these eventualities are possible however unlikely they may seem, and workshop insurance is designed to help when things go wrong. Workshop accidents and incidents cost money, and it will be between you and your insurance provider to assess the level of cover you need to protect you against the risks. At constructaquote.com, our insurance experts can help you throughout the application process to ensure you understand the cover you are getting, and our premiums are competitive. Simply fill out our online form to get started with your quote, or give us a call on 08081 68 68 68 to discuss your business and find what will work best.
It’s essential to have sufficient public liability insurance cover to protect yourself and your business against claims of negligence resulting in injury to a member of public or damage to property. Failure to do so could result in a legal claim being brought against you and your business for damages in the event of a claim.
The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required in specialist circumstances.
constructaquote.com’s online quote comparison facility means that you simply enter your details once and our panel of selected insurance companies provides competitive public liability insurance quotes for you to select from. You can also call our UK based team free on 08081 686868.
As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by an employee. It’s a legal requirement for you to take out employers liability insurance cover to insure against liability for injury or disease to your employees arising out of them working for you.
