Cladding Contractors Insurance

Tradesman Saver’s Public Liability Cover For Cladding Contractors

Our standard cover is:

• £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
• £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)

Public liability may be the most significant cover for your cladding contractors business, as it protects you against claims made by both clients and members of the public. In the event you accidentally damage their personal property or unknowingly cause an injury on the job, this policy will cover you. These claims can often be very costly, and have the opportunity to put you out of business if the claim is serious enough and you’re not appropriately covered by your insurance policy. Luckily, this is automatically included as part of Tradesman Saver’s policy, as is financial loss, legal expenses, and accidental death.

There are some insurance policies that you must have while operating as a business. For example, if you employ a team, you need to hold employer’s liability insurance, which protects you against any injured staff. A compensation claim from a member of your team could cost you tens of thousands, if not millions, so you want to be suitably covered in the event of an emergency. On top of this, you need to have financial security if a team member can’t work during their recovery, which may well damage your profits.

At Tradesman Saver we also offer optional insurance policies, such as short term income protection, which provides an income, even if you’re recovering from an accident or sickness. If you’re self employed, for example, and you sustain an injury that leaves you unable to work, you will need this income to ensure you can continue paying your bills and aren’t left struggling to make ends meet.