What is tradesman insurance?

Tradesman insurance is a business insurance policy for self employed professionals, covering several different important aspects of your business. Such as, your equipment, compensation costs following legal claims and any other optional extras depending on the work you do.

No matter what sector of trade you work in, there is always potential dangers, so it is imperative that the correct level of coverage is put in place to protect yourself and your livelihood. Whether you’re a builder, carpenter, plumber or decorator, you probably have learned your personal trade over many years, and your customers rely on your valuable skills. In the event something goes wrong, it’s important to make sure that you’ve got the right level on insurance to cover yourself and also your equipment.

Do I need tradesman insurance?

To officially qualify as a tradesman – which therefore means you should quality for tradesman insurance, you must be over the age of 16 and be deemed as a professional in your line of work. Tradesman insurance is designed for people working from/ outside their own homes, on/ in their clients properties. If you rent a specific premises for your business you may need to look into full business insurance, as tradesman insurance may not be enough to cover your needs.

What does tradesman insurance cover?

The level of cover you have can be tailored to suit your own needs and therefore your cover can range of different things included. Tradesman insurance policies will normally cover standard features such as:

Public liability insurance

This covers and protects your business is a member of the public unfortunately suffers any injury or damage to themselves of their property through negligence.

Employer’s liability insurance

If you have your own employees, contractors or even casual workers for your business, you’re required to take out employers liability insurance. Which will protect you against the cost of compensation claims from employees.

Business equipment insurance

To cover your equipment and tools, if they happened to get stolen or damaged due to no fault of your own.

Business interruption insurance

Will help your business get back on track after any disruption by any unexpected event, such a sa fire or flood.

Need more details? You can hear more about our business cover options from our friendly and experienced team here at Todd and Cue. Contact us today for a quote.

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