A tradesman insurance policy tends to offer highly specialised cover for the business or trade undertaken. Obviously the larger the business the more specialised this cover tends to be but the following tend to be offered by most policies, either as standard cover or optional extras..
Public Liability Insurance: covers you or your business against claims resulting from the injury or death of a third party, or damage to third party property which resulted from your businesses' activities.
Professional Indemnity Insurance: Normally appropriate if you give paid advice to your customers - trades ranging from consultants and quantity surveyors to financial advisors require this type of cover in case you face a claim that you gave inappropriate or poor advice or that the information you provided was wrong. Covers both the financial costs for the resulting damage caused and the legal costs for defending such a claim.
Building Insurance: Covers business premises much in the same way House Building Insurance works.
Business and / or Office Equipment Cover: If equipment you use in your business is accidentally damaged, stolen or lost. Would normally only cover claims resulting from losses incurred in the UK. Similar Tool Cover is available if you use hand or power tools in your line of work.
Contract Cover: If you undertake work off your own premises this can cover claims from the site owner or manager if your work has an adverse impact on the site as a whole.
Stock: Cover your stock, materials and finished goods whilst you remain responsible for them.
Plant: Can cover loss or damage to your plant and can be extended to cover plant you hire.
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This content was last reviewed on 12/09/2017