Tradesman Liability Insurance

Our Trade Liability policy provides liability and Employers liability insurance cover for most manual trades. Cover can be extended to include various extras (tools and goods in transit, temporary employee's, business interruption and property all risks cover are but a few) enabling you to create a comprehensive policy to suit your individual needs.

The policies provided are flexible to allow for the increase/decreasein staff or to increase the limit of indemnity, sometimes needed to secure that all-important contract, thoughout the period of insurance.

Our panel of insurer's provide competitive terms and conditions, and for those larger premiums there is the added benefit of direct debit enabing the cost to be spread.

Available Policy Features

Tradesman Liability Insurance Main Policy Features

• Public Liability Cover up to £5,000,000
• Temporary Employees Cover
• Up to £5,000,000 for Temporary Employees
• Legal Liability for contractors
• Cover for legal costs under the Health and Safety at Work Act 1974
• Indemnity to Principle
• Motor Liability for hired vehicles
• Cover for leased and rented premises
• Cover under the Data Protection Act 1998
• Cover for sudden, unintended pollution
• £10,000,000 for Employers Liability
• Compensation for unsatisfied court judgements
• Tools Cover
• Goods in transit cover
• Tools cover applies to hand tools, mobile phones and hand held portable power tools
• Hired in plant
• Plant and temporary buildings
• Additional plant hire charges following damage
• Reinstatement of sums insured
• Costs incurred of recovering immobilised plant
• Redrawing plans following damage
• Own plant cover
• Stock in trade
• Personal Effects of employees
• Contract works cover
• Showhouses and contents
• Architects and surveyors fees
• Debris removal
• Cover for property built or erected other than under a contract
• Off site storage of materials
• Cover for an increase in value of a contract
• Extra costs for repairs such as overtime and nightwork
• Personal Accident Cover
• Death or permanent disblement
• Temporary total disablement
• Over 200 trades covered online
• Compare rates from 5 top insurers - Groupama, MMA, Fortis, AXA & KL Underwriting Agency
• Cover for your tools and goods in transit options
• Secure online quote protected by the latest encrypted SSL technology
• Policy administered by CETA, with over 10 years experience in commercial insurance

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• No insurer has ever declined my / our proposal or refused to renew or cancelled my / our policy or imposed special terms or conditions for any of the risks proposed.
• I/we have not suffered any losses or had any claims made against me/us by any employee or any third party in respect of death, injury or damage to property during the last five years, whether insured or not, in respect of any of the risks which I/we now wish to insure.
• I/we have not been convicted of or charged with (but not tried) or received a police caution in connection with arson or any other criminal offence (other than motoring offences)
Note: Convictions regarded as spent under the Rehabilitation of Offenders Act 1974 do not need to be disclosed
 

• I/we have not been prosecuted or received notice of intended prosecution or been served with a Prohibition Notice in connection with a breach of any health and safety legislation.
• I/we have not been declared insolvent or bankrupt or been the subject of bankruptcy proceedings.
• I/we have not been the subject of a County Court Judgement (or Scottish equivalent) or are any proceedings pending.
• I/we have not been a director or partner in any business which is or has been the subject of a winding up or administrative order, or receivership proceedings.
• I/we are resident/s of the United Kingdom