Insurance For Tradesmen

Tradesman business insurance

What Is Public Liability Insurance?

Liability insurance for tradesmen

Public liability insurance provides cover against claims made by members of the public who have suffered injury or damage to property in connection with the business. If a member of the public is injured on your property you may be held responsible. For example, a customer might slip on a wet shop floor.

It is designed to pay compensation which can include loss of earnings, future loss of earnings and damages awarded to the claimant in addition to your legal cost in defending the claim and the claimants’ legal costs that you incur if you are found to be at fault.

Public liability claims can be made as a result of an accident at your business premises or outside of this space – perhaps when you are on a sales visit or working on a construction site, for instance. Some customers or clients may also require you to present proof of public liability insurance before they work with you. This is quite common particularly when working with local authorities, so you need to bear this in mind.

Tradesman business insurance

What Trades Does Public Liability Insurance Cover?

Public liability insurance covers a wide variety of trades.

Public liability insurance coverage may be obtained for many types of businesses such as consultants, engineers, technicians, installers, repairers, contractors, maintenance workers, fitters and cleaners.

Here are some more trades covered by public liability insurance:

Acoustic Consultant
Acoustic Engineering
Aerial Engineers
Air conditioning installers
Alarm installers
Appliance repairers – Domestic
Artexers
Awnings
Bath Resurfaces
Bathroom installation
Bedroom furniture installers
Boiler Services (Domestic)
Bricklayers
Builders
Building maintenance
Cable TV installers
Cake Making And Decorating
Car valeters
Caretakers
Carpenters/Joiners
Carpet Cleaning
Carpet Fitters
Carpet, upholstery and curtain cleaner
Caterers
Cavity wall insulation
Ceiling contractors
Ceiling, Wall and Floor Tiler
Central heating services
Cleaning Contractor
Computer Repair, Service and Maintenance
Conservatory and Porch Erectors
Curtain Cleaners
Curtain/blind Fitters
Damp proofing and control services
Data Cabling
Decorative Lead work
Domestic Appliance Engineer
Domestic services – ironing and cooking
Domestic Stair Lift Installers
Door Entry System Installer
Double Glazing
Drain Cleaners
Dressmakers
Drive Laying
Dry Liner
Dry stone wall construction repair
Ductwork Installation
Electrical appliance serving
Electrical Contractor
Electrical Engineers/Repairers
Electrical Goods (Domestic) Repair
Electrical Installation
Electrical Testing
Engineer – acoustic
Engravers
Exhibition Stand Erectors
Fence erecting
Fencing Contractors
Fire Surround Installation
Fireplace installation
Floor Screeding
Flooring Contractor
French Polishers
Furniture Installers
Furniture Repairers
Garage and Shed Erectors
Garage door fitting
Garden Designs
Gardening
Glaziers
Gravediggers
Graveyard Maintenance
Ground workers (1 metre depth limit)
Guttering and facia board installation
Handyman
Heating and ventilation contractor
Heating Contractor
House Builders ex self build
Ironing Services
Kitchen Installers
Landscape Gardener
Lawn Services
Lighting installation
Locksmith
Loft Insulation
Milk Delivery
Model maker
Monumental masons including building
Office Equipment Repairer
Office fitters
Painters and Decorators
Partition contractor
Party Planners
Patio and drive cleaner
Paving Contractors
Pebble Dashing and Rendering
Photographer
Piano repairers
Piano tuners
Picture Framing
Plasterers
Plumber
Property maintenance
Radiator repairing
Refrigeration Engineer
Safe Engineer
Satellite Dish Installer
Satellite TV Installers
Security Camera Installer
Security Lighting Installer
Shoe polisher
Shoe Repairing
Shop fitters
Shower Installation
Sign erectors
Sign writers
Smoke Alarm Installers
Software Engineering
Stonemasons ex building
Suspended Ceiling Contractors
Swimming pool cleaners
Swimming Pool Contractor
Telephone point/extension installation
Television/Satellite/Cable installers
Tilers
Timber Decking Contractors
TV And Radio Service and Repair
Upholsters ex manufacture
Vending Machine servicers
Wheelie Bin Cleaner

Tradesman business insurance

Amount Of Liability Cover Required

How much your tradesman’s public liability insurance costs is dependent on the type of business you run, the size and the turnover.

Having the right tradesman’s public liability insurance is crucial. If anything was to go wrong or any action taken against you, you could lose a substantial amount of money or even risk having to close your business.

Peace of Mind

Public liability insurance policies give you the peace of mind of knowing that you are properly covered so that you can concentrate on running your business!

Tradesmen liability cover

How To Get Business

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