Tradesmen and construction workers that are self-employed or sub-contractors will normally all require some form of public liability insurance cover. For the sole trader this can lead to a lot of lost time in searching and comparing various quotations and policy terms. Luckily, this search for finding the best tradesmen policy at the cheapest possible price has just been made a little bit easier. We have developed an online quote form that once it has been completed is submitted to numerous specialist liability brokers. They do all the hard work of finding the correct package for your business needs.
Any damage that is caused to your customer?s property is covered under the public liability section of the business policy. An example of this includes if you were a building contractor doing some alteration work in one of your customer?s residential home and inadvertently you knocked over an expensive vase or a decoration piece the customer can sue you for negligence and claim on your public liability insurance policy. This cover also protects you financially from claims arising from third party injury that is caused by you or one of your employees. Someone can easily trip over tools or machinery that is left lying around and injure themselves as a result of this. Your policy will cover your legal expenses in defending the case and also pay out any third party damages that are rewarded.
A specialist commercial insurance provider can tailor the package to suit the needs of the most ardent of tradesman. A package can include any of the following;
- Public liability
- Employers liability
- Products liability
- Tools and machinery
- Own plant and hired in plant
- Commercial legal expenses
- Premises
- Business contents
- Professional indemnity ? essential for trades such as architects
The providers on our panel are all specialists in standard and high risk trades such as scaffolding, roofing and welding business. All our providers confirm with all legal obligations such as being authorised the Financial Services Authority and hold necessary licenses regarding data protection and consumer credit acts. These specialist providers will confer with a wide panel of public liability insurance companies to ensure that they find a policy for you that is compatible with your business model.
Even though public liability cover is not compulsory but anyone in the construction industry will realise how critical this policy can be to their business. It certainly will provide a peace on mind that you are covered for a wide range of risks and it allows you to carry on with your trade with worrying about claims being made against you for negligence. With public liability insurance premiums starting from as low as only ?40.00 per year for some trades, can you afford not to have this valuable cover? The construction trade is extremely volatile and has its own inherent risks and no professional tradesmen should be without proper business insurance.
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Source: http://yinsurance.co.uk/article290212liability/
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