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Business Insurance For Tradesmen & Contractors

We can help you whether you are a fire suppression contractor, a fire safety inspector or mechanical engineer contractors, you face a particular set of challenges and risks. Both one-man-bands and construction companies need correct business insurance policies to back them up if something goes wrong.

We all know that accidents happen, Lets get peace of mind that your are covered correctly & competitively going forward.

Design & Build Your Policy

When you’re putting together your trade or construction insurance policy, your core cover is going to be public liability insurance. It covers you if anyone claims compensation from your business because they’ve been injured or their property’s been damaged. For example if you leave your tools out while you’re working at a customer’s house and they trip over them and suffer an injury, or if you’re working on site and accidentally drop a brick that damages a car parked below, you could face a compensation claim. In these scenarios your public liability insurance could pay the legal fees and compensation costs, up to the limit of your policy. We offer up to £10 million of cover.

You can also cover your tools in case they’re stolen or damaged by buying tools insurance, and you can add buildings insurance if you have a business premises. Don’t forget that employers’ liability insurance is usually a must-have if you’ve got any employees.

Our Tradesman & Contractors designed specifically to address the following covers into one policy

  • Employers’ Liability
  • Public Liability
  • Product Liability
  • Legal Expenses
  • Tools & Equipment Cover

Our Experience & Relationships

We cover over 1,000 trade types, including most types of , from fire protection contractors to fire suppression contractors, from mechanical engineers to electrical alarm contractors. Just use the trade selector on our quote form to type in or select your trade.

We have over 50 years collective experience and relationships with Construction underwriting specialists which have the capacity and understanding of the industry to write and place any construction risk.

Moneycornershop.com has extensive experience with the Fire protection industry, and we are passionate about keeping workers safe and businesses profitable. It is in your best interest to protect your construction contracting business from work site accidents.

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What Insurance Does Your Business Need?

The insurance you need will depend on your specific type of business and the individual risks it faces, but these are popular covers for tradesmen:

  • Employers Liability: If you have employees, contractors, casual workers or temporary staff, you’re usually required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
  • As with any type of insurance, the cost of premiums may vary quite widely from one insurer to another. Here, our aim is to help you obtain the insurance cover you need at a competitive rate that represents good value for money.
  • The price of premiums is influenced by a number of factors, including:
  • The number of people you employ
  • The particular nature of your business
  • Your past insurance claims history

To comply with the law, employers’ liability insurance needs to cover:

  • Every permanent employee
  • Seasonal, casual and contract employees
  • Labour-only subcontractors
  • Trainees and employees who are on apprenticeships

It is important to note, however, that the law extends not only to those in full-time, paid employment, but also temporary staff, people on work placements and students. Volunteers, advisers, referees and marshals (at sporting events) are also included within the provisions of the Act.

 

Tradesman Public Liability Insurance

Public liability insurance usually comes up first when it comes to tradesmen insurance, this cover can protect you if you’re sued because someone is injured or their property is damaged.

Moneycornerhhop.com has the capacity to offer between £1 million and £25 million in cover, to protect you against legal fees and compensation costs.

You can include business buildings cover to protect your business premises, including fixtures and fittings.

  • You can also include plant and machinery insurance, which can provide protection for plant and machinery, whether you own it or hire it.
  • Contract works insurance can cover the cost of repairing or redoing work on a construction site if it’s damaged or destroyed by an insured event – like fire, flood, storm, vandalism or theft – while it’s in progress.
  • Personal accident insurance covers you against serious injury, or even death – paying out for the likes of lost income and medical costs.
  • You can include business buildings cover to protect your business premises, including fixtures and fittings.
  • Business equipment insurance to cover your business contents and office equipment.

What Other Types Of Insurance Cover Do You Need?

    • Damage to Property being worked upon
    • Treatment Risks
    • Security of your clients Premises
    • Loss of Keys & Consequential Loss
    • Professional Indemnity
    • Business Interruption
    • Commercial Legal Expenses
    • Motor Fleet Insurance

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Why Join Moneycornershop.com?

  • Join a huge network of happy customers
  • Claims managed by individual insurers
  • Instant online access to your documents
  • Experienced business insurance experts
  • We can help you save on your business utilities
  • We can help you raise Finance for your business
  • You will be treated with the upmost respect