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Tradesman liability insurance is a type of policy that aims to cover you for third party injury and damage while working on site. Tradesman liability insurance not only helps to defend the financial status of your business but also your reputation. If third party property is damaged or someone is injured whilst on the premises you are responsible for, you could be sued for compensation.
By arranging tradesman liability insurance, you demonstrate your professionalism to your customers that you take your business responsibility seriously and are organised enough to have arranged the appropriate protection.
There are a large number of different types of tradespeople and with that comes a large number of different liabilities which you may face simply by going about your trade. For every liability, there is the possibility of being ordered to pay substantial damages if you are held responsible for someone else’s financial loss – or, even worse, their injury.
The reassurance you provide your customers may help to win projects which might otherwise not have been secured.
If you employ anyone else to help run your business, the answer is a very definite yes. Many trades may be carried out on a single-handed basis, but as your business grows and you take on one or more employees, the law says that you must have employers’ liability insurance.
The reason for this law is so that any employee who holds you responsible for an accident and injury suffered at work, or the development of some illness or longer-term medical condition which arises from their employment with you, is assured of receiving the compensation to which they are entitled.
The requirement is a legal requirement and you can face fines of up to £2,500 for every day that you do not have this cover. The law also stipulates that the minimum amount of liability cover is at least £5 million. We also offer up to £10 million cover, allowing you to have the confidence to run your business in case a claim is made against you.
This can depend on your trade as one may differ substantially from another. For those reasons, tradesman liability insurance also needs to be sufficiently flexible and versatile to cover a wide range of activities and businesses.
As a broker we go out and find you policies based on your trade and let you choose what is right for your business. There are some liabilities you may be likely to face whatever your trade, so it might be helpful to consider some of these and the impact they may have on your business.
For example, this can cover you for third party damage or injury to the general public while working on site. If something were to happen that you are liable for, you can find yourself facing a claim. With tradesman liability insurance, your policy could help cover the cost of the claim.
When your customers hire you for the trade in which you are skilled, they are putting a good deal of trust in you. We offer various products for you to choose from allowing you to cover the parts of your trade that you value most.
