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Business Insurance For Builders Merchants & Wholesalers

Whether you are a wholesaler of construction products or electrical wholesale products, if you are looking for an insurance broker with a high level of experience and expertise, you have come to the right place. We have a long list of clients in the wholesale sector and have been working closely with our clients for many years to make sure that they get the best advice, best price and best cover. Our primary concern is getting the right cover package for our clients however we have access to more than 20 A Rated Insurers which enables us to provide the most competitive prices available.

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 your customers are injured whilst trying to obtain their products from your racking or if your staff damage a clients vehicle whilst goods are being placed inside, 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.

Tailor Made Commercial Combined Policies to Fit Your Business

Our commercial combined insurance can be tailored to suit your business needs. Tell us your requirements and we will combine commercial covers to create one, straightforward policy. Factors to be considered include business size, location, number of employees, turnover, industry sector, market reach, activities, processes and machinery used. You need to make sure the distribution of your goods runs smoothly. Mishaps like machines breaking down or damage to stock can stop things in their tracks. So, make sure you’re covered if the worst happens by speaking to our Expert Team

Our Experience & Relationships

Moneycornershop.com is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. Moneycornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges.

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What Insurance Do Wholesaler & Merchant 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

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.

Public Liability

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.
  • Business legal protection insurance can cover your commercial legal expenses and the cost of legal action.

Need more details? Hear more about your business cover options from our expert team. Just choose the cover you’re interested in and get some expert insight into how each option can help your business.

Do You Need To Speak To Someone?

We have a wealth of experience Need more details? Hear more about your business cover options from our expert team. Just choose the cover you’re interested in and get some expert insight into how each option can help your business.

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Why Moneycornershop.com?

  • Join a huge network of happy customers
  • Claims managed by individual insurers
  • Experienced business insurance brokers
  • We can help you save on your business utilities
  • We can help you raise Finance for your business