What is tradesman insurance?

Tradesman insurance is a name that has been adopted by a range of insurance companies to describe an enhanced self-employed public liability insurance product.

The price of the policy is typically determined by the number of people working in the business and whilst the name “Tradesman Insurance” has caught on the policy does in fact cater for the needs of a much wider section of the self-employed market other than who might be considered a tradesman.

What is covered by a tradesman insurance policy?

The contract is a flexible one with different insurers making a range of additional covers available under the policy but they all share one common factor, public liability insurance is the only mandatory cover under the policy.

With our expert advice we will tailor your policy to include all or some of the following covers:

• Public Liability Insurance
• Employers Liability Insurance
• Business Tools Insurance
• Personal Accident Insurance
• Contractors All Risks Insurance

Who should buy tradesman insurance?

All business should take steps to ensure that they are protected against costly legal action against them or the loss of the assets of the business and the tradesman policy is well suited to a wide range of smaller businesses.

The policy lends itself to sole traders and companies with up to 10 employees and although options are available for businesses with more employees it is often the case that these policies are not as competitive at this level as a more traditional liability insurance product.