TRADESMAN LIABILITY INSURANCE

Tradesman liability insurance provides essential protection for self employed persons and small business (including limited companies) with up to 10 employees. Our Tradesman Liability products are rated on a Per Capita basis and therefore we do not require wageroll and turnover figures on an annual basis.

We can provide cover for a wide range of trades. Public Liability cover is the only compulsory requirement for our Tradesman schemes. Products Liability cover is included as standard for most trades.

A number of optional covers can be added to in order to meet the needs of your business. The additional covers we can provide are as follows:

  • Employers Liability Insurance
  • Cover for Temporary Employees
  • Personal Tools
  • Own Plant
  • Hired in Plant
  • Contract Works

Public Liability Insurance
Public Liability Insurance covers your legal liability to pay damages to companies or members of the public who hold you responsible for injury to them or damage to their property as a result of your business activities. It also covers legal fees, costs and expenses such as representation at any inquest or court hearing.

The limit of indemnity under the public liability section is the maximum amount the insurance company will pay in the event of a claim being made. These limits are usually £1million, £2million or £5million. However, we are able to provide cover for business who require a higher Public Liability limit of indemnity.

When deciding on the limit of indemnity, you should carefully consider the maximum claim which could be made against as awards for injury can excess £1million. If you are involved in activities where the possibility of multiple claims arising out of a single incident, be aware that claims for damages can easily exceed £1million. Additionally, if you work as a sub contractor for a large firm or if you are on the Council Approved List you may be subject to a minimum public liability limit of indemnity of £5million. If you are unsure of the limit of indemnity you require then please contact Brunsdon Westinsure Limited and we will be happy to discuss your requirements.

Products Liability
If you make, repair or sell products you would be held legally liable for damage or injury arising from defects in their design or manufacture even if you have not been negligent. Product liability insurance covers you in these circumstances up to a maximum amount each year. The limit of indemnity for products liability is usually the same as the public liability limit of indemnity and Products Liability is usually automatically included for most trades when you buy Public Liability cover.

Employers Liability Insurance
By Law, all Employers must insure against their legal liability for injury, disease or death to employees arising from their employment.

Employees will normally include, in addition to those under a contract of employment, apprentices and other trainees and those hired from another company. The only exception to this rule is where your employees are close relatives. If you think that this exception may apply to you then you will need to contact an Employment Law solicitor for confirmation.

You are legally required to insure for at least £5million but in practice most policies offer £10million cover. The Law also requires that you display a Certificate of Employers Liability Insurance at each place of work. Failure to meet this requirement could constitute a criminal offence.

Personal Tools
As a Tradesman your Tools are essential for the day to day running of your business. We are able to offer cover for your tools and phones against loss or damage.

Cover applies to hand tools, mobile phones and hand held portable power tools which are the property of you or your permanent employees.

Own Plant
Larger items of equipment like construction plant and site huts are valuable assets of your business. We can provide cover for own plant, tools and equipment and temporary buildings on site and in transit or in store within Great Britain.

Hired in Plant
If you hire in tools and equipment from a third party you may find yourself responsible for insuring these items. We are able to provide cover for items of plant and temporary buildings hired in. Cover is provided for these items whilst they are on site and in transit or store within Great Britain. Cover can also include additional plant hire charges following damage, reinstatement of sum insured following a claim, costs incurred in recovering immobilised plant and costs of re-drawing plans following damage.

Contract Works
If you are the main contractor for a contract you are normally responsible for the value of materials on site and the cost of rebuilding the structure before all works are completed. You will have to meet the cost of labor for repairing or reinstating the structure following damage.

For a competitive quotation please contact us on 01793 536851 or e-mail us at enquiries@brunsdonwestinsure.com and we will arrange to contact you at a convenient time.