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Protecting Your Livelihood: Why Every Tradesperson Needs Insurance

Whether you’re a seasoned contractor overseeing large construction projects or a solo handyperson tackling minor home repairs, operating in a trade industry comes with substantial financial risks that can devastate your business if left uninsured.


Accidents and property damage happen frequently on sites and even the most careful tradesperson can face liability claims or litigation that exceed their net worth without the right cover.


That’s why tradesperson insurance should be viewed as an absolute necessity and not merely an optional extra. The right insurance protects your finances by shielding you from expensive legal costs and compensation payouts. It also defends your business’s reputation and ability to secure future work.


Key Types of Tradesperson Insurance Cover


Tradesperson insurance comes in several forms to mitigate different operational risks. Common essential covers include:


Public Liability Insurance: Protects against legal claims and compensation costs if a third party suffers property damage or bodily injury due to your negligence. It covers both legal defense expenses and any settlement payouts or court-ordered judgments.


Employers Liability Insurance: Shields your business against claims from employees who suffer work-related illnesses or injuries. It’s mandatory for trade businesses with employees.


Professional Indemnity Insurance: Provides cover if your advice or services result in a client suffering financial loss due to your mistake. Essential for tradespeople offering design, consulting or inspection services.


Tools Insurance: Reimburses replacement costs if your vital work tools are lost, stolen or damaged. This prevents out-of-pocket repair or replacement expenses.


Goods in Transit Insurance: Safeguards you when transporting equipment, tools or materials between work sites or storage facilities. It covers loss or damage from road accidents, fires and theft from vehicles.


Cover can also include Plant, Hired-in Plant, Contract Works & Materials, as well as cover for your Office Contents and General Stock.


We Offer Tailored Cover for All Trades


We cover all common trade sectors, including but not limited to:


  • Builders

  • Carpenters

  • Painters & decorators

  • Electricians

  • Plumbers

  • Civil engineers

  • Groundworkers

  • Block layers

  • Allied tradespeople


Don’t risk your livelihood and business assets by working uninsured. Contact our team today to safeguard your finances with tradepersons insurance.



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