What is PAT testers insurance?
The life of a PAT tester is never a dull one. Whether you work solo, or own your own PAT testing business, every new job brings about a new set of risks to face, so getting proper insurance is paramount. But not just any insurance policy will do – no, you need one specifically geared towards your trade.
Why do you need PAT testers insurance?
At Tradesman Saver, we know it can be hard to find an insurance policy built around your unique needs, which is why we went ahead and designed our own. We’ve put all the necessary covers together in one neat policy – all you have to do is customise it to your requirements with our online quote form. Trust us, it’ll be the best decision you’ve ever made.
How our pat testing insurance works
Complete our simple quote form with basic details about your business
Get a Quote
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
Tradesman Saver’s Public Liability Cover For PAT testers
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 PAT testers 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 PAT testers 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 PAT tester and you can get your quote online in minutes.
Chosen by over 5000 businesses and counting *
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
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.
Why PAT Testers Need Insurance!
As a careful, well trained PAT tester you won’t need insurance will you? Think again! Many customers think it won’t happen to them but when it does, they are grateful of expert protection to ensure their business is not affected. Take a look at the two examples below of where our PAT Testing insurance can save the day:
Shocking Public Injury!
You’re testing a plug for a computer in an office. You deem it is safe and give your seal of approval, but unfortunately when an office worker later goes to plug it in, they receive a nasty electric shock. They then file a compensation claim against you for their injury. This is why public liability insurance is so important – with it, your insurer will pay out the costs of the compensation for you, so you don’t end up having to pay it all from your own pocket.
Shocking Employee Injury!
One of your employees is out on a job checking some electrical equipment in an office on their own, when they unfortunately get a nasty electric shock from a faulty plug. They decide to claim compensation from you as their employer. Your employer’s liability insurance will take care of this for you – it will cover the costs of the compensation claim, allowing your business to continue its activities unimpeded.