Tradesman Liability Insurance

This policy is used to increase the public liability limit of indemnity in order to provide additional cover above what is already offered by a liability insurance cover.

This policy will cover you for the costs incurred if you’re responsible for a mistake in your clients’ work that causes them financial loss or even loss of reputation.

As an employer, you have to keep your staff safe. This includes identifying and managing all health and safety risks. With this policy, you can more easily understand what’s expected of you and will be protected in case someone claims against you.

You can be protected against claims made by third parties, which will include legal costs, with this cover. This includes injuries on the premises as well as damage to property.

This covers the cost of potential compensation claims if someone is sick or injured due to your products or if their property is damaged.

Mandatory for any business that employs staff. This policy will help you to pay compensation if an employee is hurt or falls ill because of the work they do, and has to cover you for, at least, £5 million.

If your company loses stock, equipment and goods, this policy can cover the cost of replacing them.

If your work is interrupted due to a fire or flood, for example, you can miss out on trading time. This can be costly and have a serious impact on your business. So, with this policy, you are protected if your business is halted.

This policy helps with claims resulting from managerial decisions or indiscretions that have resulted in consequences. In addition, the core purpose of this policy is to provide financial protection for managers against the consequences of actual or alleged ‘wrongful acts’ when acting in the scope of their managerial duties.

This policy will pay for defence costs and financial losses, and some extensions can also cover costs for managers that have been generated by administrative and criminal proceedings or in the course of investigations by regulators or criminal prosecutors.

After all, with increased corporate governance comes more directors and officers’ exposure.