Quick Insurance Quotes for Trades and Professions.
Our combined insurance policy is a neat ‘tool kit’ for skilled professionals which wraps comprehensive risk protection into a single, affordable package. It covers you for the risks that you face should something go wrong in the course of your work and offers protection to skilled professionals across a wide range of trades.
What trades and professions do we cover?
Many trades can be covered these include, but are not limited to:
- Plumbers' Insurance
- Builders' Insurance
- Heating & Gas Engineers' Insurance
- Painters & Decorators' Insurance
- Carpenters' Insurance
- Tilers' Insurance
- Plasterers' Insurance
- Bricklayers' Insurance
- Locksmiths' Insurance
- Landcapers & Gardeners' Insurance
- Carpet Fitters' Insurance
- Kitchen and Bathroom Installers' Insurance
Insurance can also be offered to businesses who undertake up to two trades combined.
If you don’t see your trade listed above don’t worry, this is just a sample of the many trades we cover, so you can still apply for a quote.
Who do we cover?
- Sole Traders
- Contractors
- Partnerships
- Limited Companies
- Limited Liability Partnerships
- Businesses with up to 15 employees
- Businesses with turnover of up to £1.5 million
- Single and Dual Trades
Why do trade professionals need insurance?
Undertaking your specialist trade can expose you, your customers and the public to hazards and risks. If the unexpected happens whilst you are undertaking your professional work, your business could become the subject of financial claims and litigation. For example, claims could occur because of accidents resulting in personal injury, accidental damage to property, faulty goods or allegations of poor workmanship; whatever the cause of a claim against your business you will need to ensure you are adequately protected.
How our service works.
- Step One – Complete our simple online application
- Step Two – Select the cover that meets the needs of your business
- Step Three – Receive a personalised quote
- Step Four – Purchase your policy and enjoy peace of mind.
The benefits of our service.
Need help?
Contact a member of our team
QUICK QUOTES
Receive your quote in minutes.
Easy online payments.
Policy documentation efficiently delivered by email.
EASY CLAIMS
Claims can be notified by phone or online.
Notify claims directly to the insurer 24hrs a day, 365 days a year.
Risk Management advice available to avoid claims occurrence.
STRESS FREE RENEWAL
Automated renewal delivered by email.
Easy online payments.
Renewal reminders to help ensure you maintain continuous cover .
What Covers Are Available?
This is a high-level overview of the sections of cover, available for you to select, via our online quote portal. Please note Public and Products Liability Insurance is mandatory. The financial limits and full terms and conditions applicable to each section of cover will be shown in the Policy Schedule, Summary of Cover and Policy Wording. To read more about the purpose of each type of cover please press + next to each insurance type listed below. If you are unsure what cover you require please speak to one of our specialist advisers.
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Mandatory Cover - Public and Products' Liability Insurance.
Public Liability Insurance.
Compulsory protection under the terms of this policy which covers accidental bodily injury or accidental property damage to third parties, either on your business premises or due to your business operations.
Products’ Liability Insurance.
Compulsory cover which protects against accidental bodily injury or property damage claims arising from the sale, supply, repair, or manufacture of defective products which cause harm.
For both sections of cover you will be compensated up to the financial limits stated in the policy schedule.
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Optional Cover - Employers' Liability Insurance.
You will need Employers’ Liability Insurance if you directly employ staff or you hire ‘labour only’ subcontractors. This cover will protect you (the employer) from financial loss in the event of an employee injury or illness which arises from work-related activities. It will cover legal costs from claims made by injured employees and any compensation awarded, up to the specified policy limits.
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Optional Cover - Tools Insurance.
This cover provides compensation, up to the limit specified in the policy schedule, for damage to, or loss of, portable tools occurring whilst in your custody or control. You will also have the option to extended the cover to protect unattended tools if they are left secured in a locked van, building or storage unit.
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Optional Cover - Business Equipment and Stock Insurance.
Compensation is provided, up to the limits stated in the policy schedule, should physical loss or damage occur to your business equipment or stock.
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Optional Cover - Contract Works.
You require cover for ‘All Risks’ for the materials designated for the contract and works whilst in progress including in transit to and from the contract site. The limits applicable to this section of cover will be stated on your policy schedule.
Additional Covers.
You can extend your protection further by selecting from our additional optional covers. These covers are not available online but can be added to your policy by contacting a member of our team. This is a high-level overview of the additional optional sections of cover which can be selected . The financial limits and full terms and conditions applicable to each section of cover will be shown in the Policy Schedule, Summary of Cover and Policy Wording. To read more about the purpose of each type of cover please press + next to each insurance type listed below. If you are unsure if cover is required please speak to one of our specialist advisers.
- Optional Cover – Own Plant Insurance.
If you own ‘plant’ or it is on hire purchase, free loan or leased to you (machinery, vehicles and equipment) you will require protection in case any physical loss or damage occurs whilst it’s in your custody. Cover is extended to plant in transit (other than by air or sea).
- Optional Cover – Hired In Plant Insurance.
This cover provides compensation for physical loss or damage to hired-in plant while in your custody or under your control including cover for any continuing hiring charges. Cover is extended to plant in transit (other than by air or sea).
- Optional Cover – Personal Accident Insurance.
Compensation is available if an insured person sustains a bodily injury during their employment with you which results in accidental disablement or accidental death.
- Optional Cover – Business Travel Insurance.
When travelling for business purposes this covers overseas medical costs, personal property, money, cancellation, postponement, curtailment and emergency repatriation costs incurred by any insured person.
- Optional Cover – Legal Expenses.
Should you need to defend your legal rights this insurance protection will compensate you for expenses and costs incurred up to the specified limits. It will also cover the costs of any compensation awarded in relation to insured risks, in settlement of a dispute, up to the limits specified in the policy schedule.
Additional Support For Your Business.
RISK MANAGEMENT APP
Free to use.
Recommends best practices.
Includes self risk assessments.
RISK MANAGEMENT ADVICE LINE
Providing free advice during business hours.
Guidance on risk issues such as property and security.
Health and Safety Management advice .
LEGAL, TAX & EMPLOYMENT ADVICE
Legal helpline offering advice from qualified advisers.
Tax advice helpline for your business.
Online employment manual to help you run your business .