Tradesman with one or more Employees

I am a Tradesman with any number of Employees

• A Roofer
• A Builder
• A Plumber
• A Plasterer
• An Electrician

There is no legal requirement for you to have public liability cover, but your clients may insist on you having this cover before awarding you a contract or even allowing you access to their site.  However, it is a legal contract requirement to have employers liability cover.

Best Practice

• Working at heights
• Working below ground
• The physical demands of the work involved
• The extensive use of power assisted equipment and machinery
• Digging ground with hidden assets like power cables, utility ducts, water gas or sewage

Accidents and mishaps do occur in your field of work and environment and as such the industry generally recommends that you buy for your peace of mind a General Public Liability Insurance Policy. This policy will cover you against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you.  If successful the compensation award could be substantial and more than likely put a strain on the your finances thus threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, General Liability Insurance policy protects you against compensation demands from your customers’ should you or any of your employees cause damage to their property, injure their personnel or customers.

As you are an employer you need Employers Liability Insurance and you are by law required to have it.

Employers Liability Insurance

covers the employer should any member of their staff suffer an injury in the workplace or away from the workplace at customer’s premises as a result of their work or duties. This cover does not replace Public Liability Insurance and it will not cover the public.

Tradesman insurance policy

 For your own protection you can get a quote by clicking on the Get quotes button.

Tradesman with No Employees

• A Roofer
• A Builder
• A Plumber
• A Plasterer
• An Electrician

Public liability insurance

There is no legal requirement for you to have this insurance cover however your client may want you to have Public Liability Insurance  before awarding you a contract or even allowing you access to the site.

Best practice

Whether you are a commercial or residential tradesman due to

• working at heights
• working below ground level
• the physical demands of the work involved
• the extensive use of power assisted equipment and machinery
• digging trenches with the potential hazard of not knowing the whereabouts of power cables, drains etc.

Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you cause damage to their own property or injure their personnel or customers. Accidents and mishaps do occur in your field of work and as such the industry generally recommends that you buy, for your peace of mind, Public Liability Insurance Cover.

This policy will cover you against unforeseen circumstances that could put your business and personal wealth at risk should a claim for compensation be made against you.  If successful the compensation award could be substantial and more than likely will put a strain on your finances, threatening your livelihood and your personal assets. Personal assets include your own home.

However, should you in  employ someone to work for you, part time or full time,  then you need Employers Liability Insurance cover which by law you are required to have.

Employers Liability Insurance

covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Tradesman insurance policy

 For your own protection you can get a quote by clicking on the Get quotes button.

We are a limited company

As a limited company do i need public liability insurance

• The public may visit your premises
• You have several employees
• Or just one employee, the director only, or
• You offer products and or services to other businesses or to the public

There is no legal requirement for you to have this insurance cover.

Best practice

Buy Liability insurance Cover

The industry generally recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against the company or any of its employees. If successful the compensation award could be substantial and more than likely put a strain on your company’s finances threatening your company’s existence and the future prospects of its employees.

What about employer’s liability insurance

On the other hand employer’s liability insurance  is required by law and you must buy it. Our Public liability Insurance policies allow you to add this cover to your policy,  also to add portable tools cover and to cover your goods in transit. Employers’ liability covers your company should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Tradesman insurance policy

For your own protection you can get a quote by clicking on the Get quotes button.

Self employed with no employees

I am Self Employed with no Employees:

• I offer products and or services to other businesses or to the public
• The public may visit my premises

There is no legal requirement for you to have this insurance cover.

Best Practice

Buy Public liability insurance

The industry generally recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you or against your firm.  If successful the compensation award could be substantial and more than likely put a strain on your finances. Furthermore, the award may have to be met from your own personal wealth.

Should you in the future employ someone to work for you then you need Employers Liability Insurance which is required by law.

• Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Tradesman insurance policy

For your own protection you can get a quote by clicking on the Get quotes button.

Who needs Public Liability

Public liability Insurance

This cover is not a compulsory requirement by law but it might be a contractual obligation requested by your customer before allowing you entry into their premises to perform the contracted work.

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Who needs Public Liability Cover

I am Self Employed with no Employees: Read More