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Business Contents Insurance

Available as an optional extension for all Tradesman Saver customers

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Tradesman Saver’s Business Contents Cover

Our Business Contents cover includes:

  • Up to £20,000 all risks cover
  • Cover available in multiples of £5,000
  • Contents covered at the premises in connection with your business
  • Base cover includes public liability insurance

Business contents insurance can be purchased as an optional cover, which we advise you take out alongside our automatic policy package.

As part of this standard package, you also get public liability and products liability cover to provide protection should your business activities or products injure somebody, as well as cover for up to £250,000 worth of legal expensesThis also protects you in a wide range of scenarios, like the accidental death of an employee or if you face action over financial losses caused to a third party.

Our business contents insurance cover starts at £5,000 and can be increased in steps of £5,000 as needed – and up to £20,000. Should you need higher limits of cover, give us a call, and we’ll be happy to arrange a suitable package. 

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What’s included with our Automatic Cover

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What is business contents insurance?

As a trade business owner, you will likely rely on equipment like PCs and telephones to run your company on a day-to-day basis. However, if any of these are stolen or damaged beyond repair, it can make it extremely difficult to continue operating. Not only would it affect your ability to keep things running efficiently, but could also lead to unexpected costs that make a huge dent in your bottom line.

Business contents insurance is designed to cover items you rely onexcluding any technical tools and equipment you use on the job, like hammers, screwdrivers, and drills—should the worst come to the worst. Items covered include PCs, desks, furniture, and telephone systems. Tradesman Saver gives you wide-ranging, all risks cover if this equipment is stolen, destroyed, or damaged.

Why do you need business contents insurance?

What would you do if your home office was destroyed by a fire and you lost all of your business equipment?  Or if your premises were broken into and the entire contents were stolen? Either way, you would be left without this vital equipment, and forced to foot a hefty bill to replace it. This is exactly why business contents insurance is so important.

Having business content insurance in place ensures that, should your business contents be destroyed, damaged, or stolen, your insurer will pay the replacement costs. Meaning your business remains ship-shape and your projects run on time.

Please note that business contents insurance is an optional cover that you can add to your policy.

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Chosen by over 5000 businesses and counting *

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Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Instant Cover

No need to wait for your documents. You’re covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.

* Total number of live policies as at 31/03/2022
£50 from
me to you.

When a friend you refer takes out a new policy, we’ll give £25 to them, and £25 to you.

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Business Contents Insurance: Frequently Asked Questions

What does business content insurance cover?

Business content insurance covers you if your business contents are lost, stolen, or damaged. Situations that might result in a claim include theft, malicious damage, fires, flooding, and lightning or storm damage.

Why is business contents insurance important?

Many business owners overlook their contents, and focus on covers like public liability and legal expenses instead. But without investing in business contents insurance, your company could be seriously hampered if you suddenly find yourself without essential office equipment like your PCs and telephones. You may be unable to afford any replacements, potentially forcing you to let clients down. Even if you can afford them, this will still eat into your hard-earned profits. Business contents insurance ensures that you’ll never be faced with these predicaments.

How much is business contents insurance?

You can add business contents insurance to your Tradesman Saver policy for as little as £15. The final cost of your policy will depend on factors like the level of cover you select, the location of your premises, and the type of business you run.

Can I get business contents insurance only?

No, business contents insurance is only available as an optional extension to our standard policy, which includes financial loss, products liability, legal expenses, and accidental death cover.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 19% of new customers paid less than £59 between 1st January 2021 and 28th February 2021. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2022 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register.
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