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Tradesman liability products are designed for the self employed and small businesses (including limited companies). They can provide cover up to 10 employees, in a variety of manual, clerical and professional trades. We also have access to very competitive rates for high risk liability for trades such as roofing and scaffolding also companies who potentially work in high risk or hazardous locations.

Public and Products Liability (compulsory cover)

Legal liability for injury, illness or disease to any member of the public and loss of or damage to their property occurring during

the period of insurance. Limits of indemnity are:

£1,000,000
£2,000,000
£5,000,000

Employers’ Liability (optional)

Legal liability for injury, illness, death, disease or nervous shock of any employee.

£10,000,000

Tools (optional)

Loss of or damage to hand tools and hand held portable tools

owned for use in connection with the business.

£1,250
£2,500
£500 any one tool

Goods in Transit (optional)

Loss of or damage to goods whilst in or being loaded or unloaded from any motor vehicle in your custody or direct control.

Own Plant & Materials (optional)

Loss of or damage to for your own plant, machinery and materials.

Contract Works (optional)

Ability to include the value of the contract and work in progress, should an incident occur to the structure of the contract the insurers will pay for the reinstatement of works.

Hired in Plant & Machinery (optional)

If you hire in any plant or machinery from a hire company, under the standard CPA hire conditions, it is your responsibility to insure these items for damage or theft.

Features can include:

Up to 10 employees can be included on the policy
Over 100 trades accepted
Automatic temporary employees extension for up to 50 working days (provided Employers’ Liability section is in force)
Legal Liability for work carried out by bona fide subcontractors working for you
Court attendance costs Indemnity to Principal
Option to extend Employers Liability to include injury to working partners and use of fixed woodworking machinery
No claims discounts available up to 15% for 3 or more claims free years
Cover note for immediate written confirmation of cover.
Dedicated Commercial Claims Help lines operated 24 hours a day, 365 days a year.