A look Tradesman’s Insurance Online
from Insurance Blog
It’s the oldest online commercial insurance and the widest sold type of business insurance in the UK, but what exactly is Tradesmans Insurance?
If you own or manage a small business, you will require at least some type of liability insurance to protect your company against the various risks and possible claims, that your business will face.
Small businesses and tradesmen are required by law to have employers liability insurance at the very least in order to carry on business. Employer’s liability cover protects the workforce and allows the business to pay any claims against it which may be brought by a worker who was injured carying out his or her duties.
Public liability insurance is essential if you work with members of the public who may pursue claims against you and motor insurance or van insurance is also likely to be a necessity.
If the business has plant or machinery which must have a periodical statutory inspection, it will be usual to arrange for this to be done by a specialist engineering insurer under the terms of an engineering inspection contract, with or without insurance.
Tradesman’s insurance is more often than not sold online as a small business insurance package policy. A package will include all elements of cover required by a small business or self employed trader such as basic employers liability and public liability covers and theft of tools. Trademans insurance quotation systems allow you to vary the levels of indemnity required for liability insurance in a typical range of between £1 million and £10 million. The higher the levels of indemnity required the higher the premium. Tools cover is usually rated on a replacement new for old, sum insured basis, where you define the value of your tools.
Most trades and small business will have premises that need protection against buildings perils such as fire and flood. Small commercial property insurance is available to cover all buildings insurance risks and is often sold as a package for a particular type of trade. For example Shops Insurance, Dentists and Surgeries or Builders Insurance Packages.
Trademan’s premises packages contain commercial contents insurance for business premises, which covers office and business equipment including files and data processing against the common perils. For companies and trademan that keep stock, this type of business contents insurance can be extended to cover risk such as deterioration and damage.
For the small tradesperson who works from home these covers are often available with strict limits of indemnity, as a bolt on to a standard home buildings and contents policy. This type of cover is often only effective for self employed people with just a computer and a home office.
Other tradesman insurance covers
One of the largest problems faced by a small business or trades with premises is that of how to continue in business should a catastrophe happen, for example a fire that destroys the premises or machinery or stock. In order to deal with this Business Insurance companies have devised a cover called ‘Business Interruption Insurance’.
Premiums are based on your previous years annual turnover. BI covers your company against all losses caused by interruption to trading due to any of the perils mentioned on the policy and will pay out on a indemnified basis for the period of cover agreed in the policy. Most policies will also offer some type of alternative trading accommodation to enable you business to continue whilst the premises are being repaired.
Additional small business and trades insurance risks
Because commercial insurance is designed to cover all classes of business, there are many various trade or business specific covers available which can be added to a combined policy.
Examples of these covers include loss of licence to trade, book debts, hauliers cover, warehouse cover, and plant inspection services. Various people protection policies are also available for businesses including Keyman insurance which provides cover against the loss of key people within your organisation. Business mortgage protection provides a monthly payment for business premises should you suffer and accident or sickness. Group ASU policies are also available to protect your staff and employees.
Buying Tradesman Insurance Policies
Commercial insurance and tradesman risks covers for tradesmans insurance are widely available online today and it is a simple process to find a website where you can compare trademans insurance quotes.
However, purchasing trademans liability insurance can be a daunting experience for the uninitiated small business owner or tradesman just starting off in business, and unless the risks are straightforward and can be underwritten online, it is advisable for all companies to approach the services of a local or regional commercial insurance broker who deals with speciifc tradesman liability insurance and covers for risks in your particular trade.
Online Quotes
Public Liability Insurance
Employers Liability Insurance
Tools Insurance
Tradesman Insurance cover for all UK Trades and small businesses.
Choose your own covers with our tradesman packages and schemes.
Commercial Goods Vehicles, Van and Goods covers available.
COMPARE TRADESMAN INSURANCE QUOTES
Combine employers liability and public liability insurance
Instant public liability and employers insurance quotes in seconds. Compare major UK Tradesman’s insurers in one place and choose the public liability insurance cover that is right for you.
Choose options like Employers liability insurance, goods in transit, tools cover, public cover for employees and much more.
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We compare and provide online quotes and cover for over 200 different trades including
Aerial & Satellite Dish Erectors Insurance
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Artistic Painters, Sculptors or Potters Insurance
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Bricklayers – 15 Metre Height Limit Insurance
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Caterers Insurance
Cavity Wall / Loft Insulation Insurance
CCTV Installation – 5 Metre Height Limit Insurance
Ceiling & Partitioning Contractors Insurance
Chauffeur Insurance
Chef Insurance
Chimney Sweeps Insurance
Cleaners Insurance
Cleaners (internal only, excluding industrial) Insurance
Computer Repairs & Maintenance Insurance
Conservatory & Porch Erectors Insurance
Cooking Services Insurance
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Curtain & Blind Fitters Insurance
Dog Grooming Insurance
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Domestic Chair / Stair Lift Installation Insurance
Domestic Electrical Appliances Servicers Insurance
Domestic Shed / Garage Erectors Insurance
Domestic Wheelie Bin Cleaners Insurance
Double Glazing Installers Insurance
Drain Cleaners Insurance
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Dressmakers, Tailors or Curtain Makers Insurance
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Ductwork Installers Insurance
Electrical Appliance Servicing Insurance
Electrical Contractors (Domestic) Insurance
Electrical Contractors Including 3 Phase Insurance
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Exhibition Stand Erector Insurance
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Fireplace Installation Insurance
Fitness and/or aerobic instructors and the like (exc martial arts) Insurance
Fitted Furniture Installers Insurance
Fitted Kitchen Installer Insurance
Flooring Contractors Insurance
Flower & Plant Arrangers Insurance
French Polishers Insurance
Furniture Repair and/or Restoration Insurance
Garage & Shed Erectors (Domestic) Insurance
Garage Door and Gate Fitters Insurance
Gardeners – Landscape & Domestic Insurance
Gardeners – Landscape & Domestic (Ex Paving Paths & Patios) Insurance
Gas Fitters Insurance
Glaziers Insurance
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Groundworkers (Exc Road Suraficing Contract + tools) 1m depth limit Insurance
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Groundworkers (Inc Road Srfcng Contact + tools) 1m depth limit Insurance
Groundworkers (Inc Road Srfng Contact + tools) 3m depth limit Insurance
Guttering and Fascia Board Installation Insurance
Hairdressers Insurance
Heating & Ventilation Engineers Insurance
House Sitters Insurance
Interior Designers Insurance
Ironing Services Insurance
Joiners Insurance
Kitchen Installers – Corgi Registered (Domestic Only) Insurance
Kitchen Installers & Fitters Insurance
Lift Installation Insurance
Lift Maintenance Insurance
Locksmiths Insurance
Loft Conversion Contractors Insurance
Loft Insulation Insurance
Mastic Sealant Contractors Insurance
Mastic Sealant Contractors inc. external work 15 M hght Limit Insurance
Milk Delivery Roundsmen Insurance
Monumental Masons Insurance
Motor Cycle Courier Insurance
Music Teachers (Private Individual Tuition Only) Insurance
Nail Technician (mobile or renting a chair in a salon) Insurance
Office Equipment Installers & Repairers Insurance
Office Fitters Insurance
Painters & Decorators Insurance
Painters & Decorators – Including Use of Heat Insurance
Partition Contractor Insurance
Path, Patio & Drive Laying Insurance
Paths, Drives & Patio Cleaners Insurance
Photographers (Excluding Studios) Insurance
Piano Tuners Insurance
Picture Framers Insurance
Plasterers Insurance
Plumbers Insurance
Professional Occup (Accts, Architects or Estate Agents only) Insurance
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Property Maintenance Insurance
Quantity Surveyors Insurance
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Roller Shutter Door Installation Insurance
Roofer Flat (Fibreglass & Resin Only) Insurance
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Sculptors Insurance
Shopfitters Insurance
Sign Erectors Insurance
Sign Writers & Erectors Insurance
Stone & Monumental Masons Insurance
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Surveyors of Buildings Insurance
Suspended Ceiling Contractor Insurance
Swimming Pool Installers Insurance
Taxi Drivers Insurance
Taxidermist Insurance
Telecommunication Engineers Insurance
Telephone Answering Service Insurance
Telephone Point/Extension Installation Insurance
Television Repairing Insurance
Tilers Insurance
Timber Decking Contractors Insurance
TV Aerial Erectors Insurance
TV and Video Installation Insurance
TV and Video Repairing Insurance
Upholsterers Insurance
Vacuum Cleaner Repairs and Service Insurance
Ventilation Insurance
Wall Tilers Insurance
Washing Machine Repairs and Servicing Insurance
Wheelie Bin Cleaner Insurance
Window Cleaners Insurance
Woodworking Machinists (as part of any eligible trade) Insurance
About Tradesman Insurance
We can cover all of the above trades with our online trademans insurance or if you have differing needs contact us for a complete range of covers -including plant and tools cover, public liability, product liability,employers liability, personal accident and income protection, legal expenses, professional indemnity, contract works, engineering inspection, directors and keyman cover, commercial property insurance and much more …..arranged to suit your particular needs.
Free quotes or free advice from authorised trademan insurance brokers and specialists, or simply if you wish to understand your insurance responsibilities as either an employer or employee as a tradesman- either try our online tradesman insurance quote for instant cover , or for a more comprehensive or specific trade insurance policy; complete the simple enquiry form for your trade and a tradesman insurance specialist will contact you directly to provide quotes and insurance advice particular to your individual trade and needs.
COMPARE TRADESMAN INSURANCE QUOTES
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