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.

Read More

Who needs Public Liability Cover

I am Self Employed with no Employees: Read More

What is Public Liability

What is public liability insurance

Public Liability is a business insurance policy that provides cover from injury or property damage claims. Read More

Claims and Injury examples

Examples of Liability Claims and Injuries Examples

Examples of property damage

• Alarm Installer – Cover yourself against damages to property when you are installing an alarm system. Like drilling through electrical wiring, gas or water pipes and or causing  injury to the public.

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• Bricklayer – Cover against damage to premises you are working on should your  trellis or ladder accidentally collapse, sending bricks falling on to fences, neighbour’s cars or conservatories  and/or causing injury to the public.

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• Builder – Cover against accidental damage to the premises you are working on. Example: Trellis, ladder, hoists or scaffolding collapsing sending bricks and masonry  on to fences, neighbour’s cars or damaging parts of the building that you are not working on  and or causing injuryto the public.

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• Bathroom Installation – Cover against accidental damage to the premises you are  working on. For example you may accidentally cause a leak and this floods the property you are  working on causing thousands of pounds of damage and or causing injury to the public.

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• Carpenter – Cover against accidental damage to the premises you are working on. For example while fitting a door you manage to put a nail through electric wiring or damage the surrounding area such as an expensive television or ornament and or causing injury to the public.

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• Ductwork Installers – Whilst carrying out drilling to walls to put in ducting you could drill electric wires, hidden pipes or if your ladder slips from under your feet you could be hanging from the ceiling which could give way causing structural damage and or causing injury to the public. .

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• Drylining – During your general tasks as a dryliner you could accidentally cause damage to a customers property meaning you need to make a claim on your public liability insurance and or causing injury to the public. .

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• Glazier –  Damage to expensive window frames  or  damages to carpets and furniture should the glass pane accidentally fall out before permanent fixing.

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•  Roofers –  Ladders may fall or roof tiles may fall and pierce conservatories, damage cars or flat roofs or cause damage to neighbouring properties and/or causing injury  to the public.

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• Joiners – There has been a large surge in liability insurance for dry liners in the UK due to increased risks with regards to accidentally damaging customers property during the course of the occupation and or causing injury to the public. .

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•  Plasterers – Cover against damage to property you are working on like:  Damaging fixtures and fittings in the area you are working in should your ladder /step ladder fall on them and or causing injury to the public.

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• Plumbers –  Cover against accidental damage to the premises you are working on.  For example you may accidentally cause a leak and this floods the property you are working on causing thousands of pounds of damage and or causing injury  to the public. .

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• Satellite and/or TV Installers – Cover against accidental damage to the premises you are working on. For example you may accidentally  knock tiles of the roof or weaken the chimney you are putting a bracket on and it collapses causing damage to surrounding properties and or causing injury to the public.

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Tradesman insurance policy

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

Bodily Injuries

Common accidents that result in injury to the public for which you will be liable for the injuries caused:

• Accidentally dropping a tool or tile from high above ground causing an injury to a member of the public who is either standing by or walking past below.

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• Leaving equipment, packaging or tools lying around which a member of the public trips over and injures themselves.

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• Leaving hazardous materials around premises which the public is not aware of and has no knowledge on how to handle these materials, especially young children who may play with this toxic material thinking it is safe to do so.

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Tradesman insurance policy

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