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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.

Combined Liability Insurance consists of a combination of Public Liability, Product Liability and Employers Liability cover.

We are able to offer combined liability insurance protection at competitive prices, backed by expert service, including the vital area of claims. Every business should have adequate protection against these liabilities, and we have specialists in this area who can quote you for your business.
Policy features can include:

  • Employers’ Liability Insurance is compulsory for employers, and trade associations may require Public Liability Insurance. Should be taken out by any company that deals directly with the public or works away from home at other premises
  • Enables companies to meet the cost of compensation or legal fees with regards to employee or public claims. In case of things going wrong, your business could be affected both in reputation and financially
  • One managed policy

Combined Liability Insurance Policy features can include:

  • Public Liability – covering the insured against all legal liability for death or injury to members of the public or loss of or damage to their property in connection with the business. Many trade associations require this insurance as a condition of membership.
  • Product Liability – this protects the insured against financial loss when damage or injury is caused by the use of their product.
  • Employers’ Liability –covering employers for any sum which they may be liable to pay to any employee injured or diseased in the course of their employment and during working hours, also whilst working temporarily abroad. Compulsory for any UK employer under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969

Our Experience & Relationships

We can help you wether you are a roofer, a plumber or a landscape gardener, 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 and competitively going forward.

We cover over 1,000 trade types, including most types of tradesmen: from stonemasons to dry-liners, from rendering contractors to partitioners, from ductwork installers to shuttering carpenters. Just use the trade selector on our quote form to type in or select your trade.

We have over 80 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.

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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.

In short, it is important for any small business to examine very carefully whether employers’ liability insurance is required, and if so, that the relevant level of cover is arranged to cover those in paid or voluntary employment in the business.

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.

Moneycornershop.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.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Need an employers’ liability insurance quote? Then please contact us today – we will be only pleased to help!

What Type Of Tradesman Are You?

We provide tailored insurance for most types of tradespeople, such as:

  • Builder insurance
  • Carpenter insurance
  • Electrician insurance
  • Plumber insurance

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Why Join Moneycornershop.com?

  • Join a huge network of happy customers
  • Online quotes, in under 10 minutes
  • Claims managed by individual insurers
  • Experienced business insurance experts
  • We can help you save on your business utilities
  • We can help you raise finance for your business