The contents of a Tradesman Insurance Policy can vary. At Martin & Garvan Insurances we will help you choose a policy that’s right for you.
Essentially, Tradesmen Insurance policy should provide legal protection towards the public and customers.
Public Liability - If an injury or damage is caused as a result of your (or your employees') negligence or if you are found in breach of statutory duty, you may be liable to pay damages. What if you make a mistake whilst installing wiring which caused damage to the property?This could cripple your financial situation if you do not have a tradesman insurance policy in place
Employers Liability - If you have any employees you will also have responsibility to make sure that all staff are working in a safe environment and are not exposed to any dangers. The types of claims that are common are for staff having back injuries from lifting stock, boxes etc .Other claims are for cuts, falls, repetitive strain, exposure to cleaning or other chemicals etc etc etc.....
Products Libility-
Depending on your individual need you might also need cover for
Tools and Equipment Even if you don't have permanent premises, it's advisable to cover your tools and equipment against loss, damage or destruction This may occur onsite or whilst in storage e.g. whilst stored in a work vehicle
Contractors All Risks provides cover for contract works which can include loss or damage to own and hired in plant together with employees tools. Cover is on an ‘All Risks’ basis.
Personal Accident provides cover in the event of accidental death or bodily injury.
