Tradesmen insurance you can trust
The cover that you require will depend on your trade and whether you use application of heat, work at height or at depth. You may just require Public Liability against anyone getting injured as a result of what you do, all the way up to a full ‘Contractors All Risks’, to cover anything that might happen, possibly with a non-negligence (2121) cover and a ‘Commercial Combined’ to cover all the potential liabilities that you may require.
Public Liability – in case someone is injured on your premises or by something that you do. If you offer your services as a bona fide sub-contractor then you will require a minimum of Public Liability cover.
Professional Indemnity – if you give advice or design anything
Vehicle – if used on the public road.
Tools – if you are able to keep them secure overnight (not just in your van parked on the road).
Cyber cover – if you have a computer than you are vulnerable.
Shop Front – including blinds if you have one.
Legal Expenses – in case you are involved in an incident that requires legal advice or court action.