Further information
If you run or are responsible for a business, either as a sole trader or a limited company, then you will undoubtedly need to purchase a tradesmens insurance package policy.
A tradesmens insurance package policy is designed to provide a basic level of cover required by the smaller contracting business. The policy typically includes three levels of insurance cover which are:/
- Employers liability
- Public liability
- Tools insurance cover
Should additional covers be required such as contract works and hired in plant and equipment then the more suitable business insurance policy is a contractors combined policy.
The main benefit of a tradesmens policy is that it is priced on a per capita or number of people (employees and directors or partners). This makes the policy usually more competitive as it is quicker and easier to provide a quotation. Most tradesmens policies are restricted to a maximum number of working persons, usually a maximum of ten.
Typical trades suitable for a tradesmen insurance package policy are:
- Aerial/Satellite dish installers
- Brick layers
- Builders
- Carpenters
- Joiners
- Carpet fitters
- Carpet cleaners
- Upholstery cleaners
- Ceiling contractors
- Chimney sweeps
- Cleaning contractors
- Curtain installers
- Blind installers
For more information on how IS Insurance can help with your insurance needs please contact us or call us on 020 8205 3000.