Affordable Tradesman Insurance
No matter if you're a sole trader, a family-owned business, or a larger corporation, we can provide tradesman insurance to safeguard you against unforeseen losses, damages, or injuries.
Our tradesman insurance is designed to protect you and your business in the event of an unfortunate incident. Despite your skills and expertise, you encounter risks every day, whether in the workshop or on-site. That's when tradesman insurance becomes essential. Not sure what coverage suits you best? The UK Sure team is ready to provide expert advice and competitive quotes for tradesman insurance.
What is tradesman insurance?
Tradesman Insurance is a specialized product designed to support and protect a variety of trades. It safeguards against unforeseen, damage, or injury, as well as the financial repercussions that may arise.
At UK Sure, we focus on providing tradesman insurance coverage for sole traders, UK family-owned businesses, and SMEs. However, it's essential to understand that tradesman insurance is not a single product but rather a collection of policies that address specific aspects of your work.
Determining the appropriate level of coverage can be challenging. Our team is here to assist you in this process. With our expertise and personalized approach, we'll help you find the tradesman insurance that best meets your.
Types of tradesman we cover
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Bathroom Fitter
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Bedroom Fitter
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Builder
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Carpenter
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Carpet Fitter
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Electrician
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Flooring Contractor
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Garden Designer / Landscape Gardener
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Fencing Contractor
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Gas Fitter
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Glazier
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Handyman
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Groundworker
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Painter and Decorator
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Plasterer
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Plumber
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Tiler
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Locksmith
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Roofer
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Scaffolder
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Heating Engineer
What does tradesman insurance cover?
Our tradesman insurance safeguards you against a variety of associated with your daily work. A robust tradesman insurance policy provides extensive coverage, given the things that can go awry. With our expert guidance, you'll gain clarity on your options, and we can highlight considerations you may not have previously thought about.
Here are some examples of what tradesman insurance can encompass:
Public Liability: Covers legal and compensation costs if a third party is injured or if you damage someone’s property and face legal action.
Tradesman Tool Insurance: Protects against loss, damage, or theft of your work tools.
Legal Expenses: Provides support if your must defend itself in a commercial dispute.
Employers’ Liability Insurance: Offers legal and compensation coverage for claims from employees injured or made ill due to their work.
Plant and Machinery Insurance: Covers damage or theft of owned or hired equipment.
Business Equipment Insurance: Protects office equipment and other business contents.
Stock and Materials: Provides coverage for damages or theft of your inventory.
Personal Accident Insurance: Compensates for loss of income and medical expenses resulting from serious injuries or death due to your work.
Contract Works: Covers costs for repairing or redoing work damaged or destroyed by insured events like floods or fires.
What else might you need?
Directors Insurance: Shields individuals and their assets from claims related to actual or alleged wrongful acts.
Commercial Vehicle Insurance: Necessary if you operate a work vehicle or van.
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Why do I need Tradesman Insurance?
Your clients will expect you to have Public Liability Insurance as a minimum, and frequently this will be a contractual obligation. But, legally you don’t need it. The only element that is mandatory is Employers Liability and if you’re a one-man band then you don’t need that. However, If like most people, you don’t have surplus cash to cover a worst case scenario, nor the time or expertise to sort a claim then Tradesmen insurance will ensure your bottom line won’t be hit if you have a claim – and you won’t have the lost time or stress of sorting a claim.
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How much cover do I need for employers’ liability?
The amount of employers’ liability insurance coverage you need depends on the size of your business, the industry you operate in, and the specific risks your employees face on the job.
The law requires a minimum of £5 million in employers’ liability insurance coverage for all of your employees, including part-time workers, contractors, and temporary staff.
Many businesses opt for higher coverage limits to ensure they are adequately protected in case of a claim.
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Is it mandatory to have employers’ liability insurance?
It is a legal necessity for most businesses to have employers’ liability insurance.
The only exceptions to this requirement are companies that have no employees or businesses that employ only close family members.
If a business operates without the legally required level of employers’ liability insurance, it can result in hefty fines and legal penalties.
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Businesses in the UK that employ staff are legally obliged to have employer’s liability insurance which will provide your business with cover against claims from an employee. You should be insured for at least £5million and are required by law to post your certificate for all staff to see.
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​Protection up to £10 million
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Cover for your temporary staff
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Working partners are included in the policy.
What is the Employers’ Liability Act?
The Employers’ Liability Act 1969 (ELA) is a law that requires employers to have insurance to protect their employees in case of work-related injuries or illnesses.
Under the law, employers are legally responsible for the health and safety of their staff while they are at work. If an employee is injured or becomes ill as a result of their work, the employer may be held liable for damages.
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