What is hod carriers insurance?
When you work on a construction site, you face a number of risks on every given day, and as a hod carrier, those risks can be doubled tenfold. That’s exactly why a generic policy simply won’t do – you need an insurance policy that works around your requirements and protects your interests.
Why do you need hod carriers insurance?
At Tradesman Saver, we understand that every business is unique. We’ve talked to people in industry to understand your needs, offering a policy that’s built for hod carriers and by hod carriers. Build your perfect policy with our online quote form for insurance that works for you.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Tradesman Saver’s Public Liability Cover For Hod Carriers
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your hod carriers business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a hod carriers business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a hod carrier and you can get your quote online in minutes.
It Shouldn’t Happen To A Hod Carrier
Sometimes, it doesn’t matter how careful you are in your line of work; there are always unforeseen circumstances you just can’t account for. Fortunately, if you have the right cover in place, it can help to minimise some of the impact. Here’s some examples of how our Tradesman Saver insurance could help you in a pinch:
You are on a job at a customer’s home and are carrying bricks round to the back of the house. But as you are carrying the bricks, you accidentally trip over a lose paving stone and the bricks you’re carrying get hurtled at your customer’s car, causing considerable damage to the vehicle. The customer seeks compensation from you to repair the damage to their car. Fortunately, your public liability insurance has you covered – it’ll cover the costs of repairing the car, leaving you free to focus on keeping the job running on schedule.
You’re working on a construction site with your team, but as one of your employees is transporting a heavy load of bricks, they injure their back, causing them considerable pain and rendering them unable to work. They choose to claim compensation from you for their injury. Your employer’s liability insurance is your safeguard in this situation – it will cover the costs of the compensation, so you can put your focus into getting the project running back on schedule.
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