Why It’s Worth Taking Out Tradesman Liability Insurance

Anyone who is a qualified professional in their field, such as an electrician, carpenter or joiner, should consider taking out insurance which is tailored to fit their particular trade. Here Clover Insurance, who offer tradesman liability insurance in North London and the surrounding area, explain why a specialist policy will give you additional peace of mind.

Tradesman liability insurance North London

The Different Locations

Tradesmen and women work in a variety of locations, including private residences and outdoors on building sites. These different locations can all be covered in a tradesman’s liability insurance policy, which need not be tied down to a specific business address.

To Protect Customers and Employees

All tradesman’s insurance policies should include public liability. This will ensure you are protected against any accident which causes injury to yourself, your staff or your customers. It is a legal requirement if you have employees.

Bear in mind that what may be a minor incident – whether it’s accidentally dropping a hammer or a customer tripping over a toolbox – could end up costing you thousands of pounds and put you out of business. Working at unfamiliar locations, which may be outdoors and at the mercy of the weather, could heighten the risk of accidents.

To Protect Your Equipment

Whether you are a carpenter, a painter and decorator, a plumber, a landscape gardener or a beauty therapist, you need specialist tools to work with. Some of them can be extremely sophisticated and expensive and they are effectively required for your source of income.

You should ensure you have a specialist policy to cover you if any of your equipment is lost, damaged or stolen. Brokers like Clover Insurance will be able to find the right policy for you, whether you own your tools (‘own-plant’ cover) or hire them as and when you need them (‘hired-in’).

To Be Officially Accredited

There are estimated to be more than 3,500 trade associations in the UK. For instance, plumbers can join the Association of Plumbing and Heating Contractors, gas engineers who are allowed to work on boilers, cookers and fires are on the Gas Safe register, while many roofers are registered with the National Federation of Roofing Contractors. Many of these associations require you to take out tradesman insurance in order to qualify for their accreditation.

To Guard Against Unexpected Events

Sometimes you may be unable to complete a contract on time through no fault of your own. For instance, there may be a prolonged spell of wet weather or flooding on the building site you are working on.

In a situation like this, you should ask your broker if contract works cover can be included in your policy. It is also possible to have a clause inserted to guard against a loss of income if you are ever called up for jury service.

Other Optional Extras

Tradesmen liability insurance policies can also contain additional clauses if you involved in what is classified as high-risk work. For example, if you are clearing asbestos, working at or near an airport, a railway line or station, or a nuclear power plant, you won’t be covered by a conventional business policy. The same applies if you are working underground such as in a mine, or at height, such as on a scaffolding platform on a building site.

Tradesman Liability Insurance from Clover Insurance

If you would like to find out more about our tradesman liability insurance – which we offer across North London and Hertfordshire – then you can contact us by following this link or calling us on 020 8805 1121 or 01992 630095. We also offer a wide range of other policies, including car, van and motor fleet cover, comprehensive house insurance and public liability insurance.