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Tradesmans Liability Insurance

What to Look for in Tradesman's Liability Insurance

If you are a tradesman, you need to have specialist insurance. Your job puts you into contact with various other people and their property. In fact, it is likely that much of your work will be performed inside their properties. This means that you have to make sure that you are protected in case your actions cause any type of damage at all. This is what tradesman's liability insurance is for: protecting you and your business in the event that something goes wrong. Our policies at Quote Supermarket are designed to help you when you need it the most, and all for a great price.

How Do You Recognise a Good Insurance Provider?

The best insurance companies will attract you with interesting benefits, such as free tool cover up to a certain amount. However, if you need this type of insurance, you have to make sure that you are not blinded with bonuses and special offers. Look for an insurance company that is experienced, specifically in the market of construction workers and other tradesmen. They have to offer policies that can be customised to meet the specific needs of your trade. Hence, you should be able to include such things as stock, employer's liability, owned plant, contract works, hired-in plant and so on. It should also include professional indemnity cover, which should be at least £50,000. This way, if you are asked in to give a quote or some advice, and the customer then believes your advice to be negligent, you will be covered should they decide to take legal action.

A good insurance company has excellent and well-respected underwriters. Getting a quote should not take long, nor should the application process itself. Reputable insurance companies will also have various reviews and testimonials from previous customers. Try to find these independently from the insurance company itself, for instance by using insurance forums and comparison tools.

Bonuses that Some Insurance Companies Offer to Attract Tradesmen

As stated already, some companies will offer interesting bonuses and deals to attract tradesmen to their brand. So long as you have checked that the provider is indeed a good one, there is no reason why you shouldn't take advantage of some of these bonuses. Some of the deals you can expect include:

  • Start-up discounts, which can be as high as 15%
  • Free tool cover up to a certain amount (generally £1,000)
  • Free cover for short-term employees (such as apprentices) if you have decided to take out employer's liability on your policy as well.

Tradesman's liability insurance is essential if you work as a tradesman. You will know how often some small thing goes wrong, for all your best intentions of being safe. A single drop of gloss paint on someone's carpet can leave you with a bill for thousands of pounds. By taking out this insurance, you will have some guarantee of these issues no longer being of financial significance to you. Furthermore, this will show your customers that you are reliable, as any damages you might cause will be resolved straight away. Call us now to discuss your options, or use the Quote Supermarket online service to receive a quote immediately.

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