Tradesman Insurance

What is Tradesman Insurance?

In the main the public liability policy for tradesmen is to help the tradesman defend themselves against any allegations or wrong doings to a third party and in the event that it is proved that the tradesman was indeed negligent, and had either injured or caused damage to another the public liability insurance would pay damages awarded up to the level of the cover the tradesman has chosen. Most public liability policies start from a minimum of £1,000,000 but it would not be uncommon for a tradesman to have £5,000,000 cover, particularly if the tradesman was working on larger projects.

There are many ways that a large or small firm could need to call on their Tradesman Public Liability Policy :

• Death or injury to another person while you are working on a contract.
• Damage to other peoples property
• Obstruction, nuisance, trespass, right of way, interference to air, light, water.

Of course the public liability insurance policy can be extended from the basic type of covers offered to include:

• Health & Safety at work - Legal defence costs
• Motor Contingent Liability
• Movement or obstructing vehicles
• Bona-Fide Subcontracttors

It is also a very good idea for a tradesman to have a Contractors All Risk policy. This would cover the tradesman for mistakes on the clients own goods being worked on and also things like materials on site etc. This type of policy can be brought as a package to include public liability and other types of risks that a tradesman faces in the day to day running of their business.

PIA compares the market on your behalf to provide you with the best small business insurance quotes from the UK's leading commercial insurance companies.

If you have any questions, please call us on +44 (0) 1323 648000