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What is tradesman insurance for building contractors?
The tradesman insurance for building contractors product is a simple package insurance policy that provides a range of covers for building contractors including public liability insurance and with a range of additional option extra covers such as employers liability, cover for tools, personal and contractors all risks insurance amongst others.
Who should buy tradesman insurance for building contractors?
The product is suited to a sole traders and companies with up to 6 employees ideally. Whilst quotes are available for more than 6 employees under a builders tradesman package there is often an alternative type of liability policy that is more competitive at this level. The good news from Blackfriars is that you don’t need to choose the right product, we will provide quotes automatically for you on an alternative basis is there is a better deal available to you from us.
What does tradesman insurance for building contractors cover?
The public liability section of the policy is basic requirement for the policy with the additional sections being optional to suite your requirements.
Public Liability Insurance
This covers you for claims made against you in respect of your legal liability for personal injury or property damage arising in the course of your business. You will need to select a limit of indemnity under the policy, standard limits are £1M, £2M and £5M with others available upon request. This limit represents the most an insurer will pay out in respect of a claim or incident.
If you employ people in the U.K you have a legal requirement to hold employers liability insurance that protects you against claims for your legal liability for death, injury or disease sustained by employees in the course of their employment. The legally required minimum is £5M but policies are issued with a limit of £10M.
Business Tools and Equipment
All risks insurance against loss or damage to tools
A source of income protection is you are unable to work as result of an accident.
Contractors all risks insurance in respect of loss or damage to the works.
How much does tradesman insurance for building contractors cost?
The price you pay depends on a few key factors; the limit of indemnity your require, whether you need additional covers, how many people work in the business and whether you have previously had any claims made against you.