Tradesman/Public/Employers Liability

When you are tradesmen, you and your company may be financially liable for the costs of any accident caused by you, one pf your employees or possibly by one of the contractors you employ. Tradesman Insurance that includes public liability cover, will provide protection against any sort of damage you or your contractors cause on the property of the client. It will also provide protection in situations where a member of the public is injured because of the work you do too.

Employer’s Liability
If you are a Limited Liability Company or take on one or more employees, you must by law have Employer’s Liability Insurance. The cover provides liability for injury to employees up to £10,000,000 any one occurrence.

Public Liability
Protection is provided for your legal liability for personal injury or damage to the public. The usual minimum level of cover is £5,000,000 any one occurrence, although higher limits can be arranged.

Products Liability
Protection is provided for your legal liability for goods supplied or sold. The usual minimum level of cover is £5,000,000, although higher limits can be arranged.

Additional Covers

Depending on the nature of your business, additional covers can be arranged to suit your needs such as Tools and Contract Works Insurance*

* See separate heading in respect of this insurance