Trades Insurance

Running a trades business comes with a number of unique risks. And perhaps the largest is the possibility of harming your customers or damaging their property. For example, a plumber could leave out a mop that somebody trips over, a handyman could accidentally ruin a wall on the job, or a painter could spill paint on their customer’s carpet. Each of these incidents could lead to expensive compensation claims against your business, and leave you in serious financial trouble.

Why public liability insurance is vital

Luckily, public liability insurance would protect your trades business in the above scenarios. While claims of this nature can be extremely costly, public liability cover means we’ll pay the resulting expenses, not you. You can purchase this as part of our trades insurance automatic package, which also covers you for financial loss, legal expenses, and more.

Why you need other covers too

Working in the trades industry is risky for you and your employees. It’s not uncommon for somebody to get hurt on the job. For example, anyone could fall from a height, get a repetitive strain injury, or have an accident involving machinery. However, employer’s liability covers your business should a staff member take legal action over any personal or property damage suffered on the job. Meanwhile, personal accident insurance ensures your company doesn’t shoulder the financial burden if you or a member of staff are unable to work because of an injury. Other covers you might want to think about including are tool insurance so you’ll be able to replace any equipment lost, broken or stolen, and professional indemnity insurance to protect your business if a customer sues you over a mistake that’s been made.

Here at Tradesman Saver, we are on hand to discuss all your insurance needs as a professional trader. Get in touch to receive a bespoke trades insurance package that’s perfect for your business.

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