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If you’re a builder, carpenter, decorator, electrician, gardener, groundworker, joiner, plasterer, plumber, renderer, roofer, window cleaner or any other type of trade or general contractor, then it’s important to have some insurance in place to help you protect not just your tools, but also your business and your reputation.

Accidents happen, even to the most experienced tradespeople – which is why it’s important to have some protection should things go wrong.

What does Tradesman / Tradesmen / Tradeswoman / Tradeswomen / Tradespeople /Tradesperson Insurance generally cover?
People use different terminology when they talk about this insurance. And, of course, every trade business is different. That’s why it’s good to speak to an insurance broker, like Prizm Solutions, who can find out more details about the type of business you run to ensure you get the right cover with all the essential protection you need.  Options could include:

• Public Liability Insurance – to cover injury or property damage claims from a member of the public.
• Employers’ Liability Insurance – to cover people working in your business.
• Personal Accident Insurance – to cover loss of income and medical fees as a result of an injury.
• Tools Insurance – to protect your equipment from theft or accidental damage.
• Contract Works Insurance – to cover ongoing projects before completion.

How much does trades insurance cost?

The cost of insurance for your business will depend on the type of work you undertake, your turnover and the level of cover you need.  

To find out more, just give Prizm Solutions a call. We’ll be able to answer any of your specific questions, such as what insurance you need if you work under a main contractor, what type of policy excess there may be, and anything else you might need, such as legal expenses cover.

 That way, you can be confident that you’ve got the right policy in place, to protect you, your tools, your customers and your business.  You’ll find our contact details by clicking this link.