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Do I Need Tradesman Insurance?

Do I Need Tradesman Insurance?

If you own your own business, you may have noticed that there’s no ‘one size fits all’ when it comes to business insurance. While all businesses are required by law to have employer’s liability insurance, any other cover that’s necessary will largely depend upon the industry, and any associated risks and hazards.

In the restaurant business, for example, dedicated restaurant insurance protects against incidents such as smashed glasses, and in the hotel business, hotel insurance protects against issues such as damaged linens. It’s similar for tradesmen, too. Tradesman insurance protects against anything that could potentially go wrong on a job, whether that’s injury, breakages, equipment failure or poor advice.

Who Needs Tradesman Insurance?

Tradesman insurance is designed for anyone that works as a manual labourer. It typically includes additional levels of cover due to the hazards associated with the job, such as working with power tools. Here are just some professions who should consider a tradesman insurance policy for protection:

Air conditioning engineers
Bathroom installers
Bricklayers
Builders
Carpenters
Cleaners
Conservatory contractors
Double glazing contractors
Electricians
Flooring contractors
Heating engineers
Kitchen installers
Landscapers & gardeners
Loft conversion contractors
Painters & decorators
Plasterers
Plumbers
Roofers & tilers
Shop fitters

Professional Indemnity for Tradesmen

While there are many different types of tradesman insurance to suit different sectors, and different labourers, you will usually find that they all have one thing in common: professional indemnity insurance as standard. Professional indemnity may not be a legal requirement, but it is essential for all tradesmen.

Professional indemnity insurance protects against any negligence on your part in terms of advice. For example, if you advise a homeowner that a wall needs tearing down, only to later discover that the action leaves the property structurally unsound, you should be able to claim on your policy for financial assistance in rectifying the problem, should you have given the advice believing it was in best interests.

Finding Tradesman Insurance

Tradesman insurance is one of the best ways to protect your business, your brand, and your reputation from the risks and hazards associated with the industry. If you’re keen to find out more, complete the simple form here at compareyourbusinesscosts.com. We promise to make the complex world of business insurance more simple, more streamlined, and more straightforward than ever before, and we’ll put you in touch with insurance providers offering the very best deals for your needs and requirements.