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Liability Insurance

Tradesmen Insurance

Public/products liability designed for sole traders, partnerships and small limited companies and available to a wide-range of trades – including high-risk locations and high-risk occupations.

Features can be tailored to your needs and may include:

  • Public Liability only
  • Public & Products Liability
  • Employers Liability
  • Various levels of cover from £1m limit of indemnity
  • Temporary employees
  • Cover for tools, business equipment and plant
  • Personal Accident
Contractors Insurance

Combined liability insurance – primarily for those involved in the construction industry – such as builders, plumbers, electricians, bricklayers and other connected trades.

Cover can be tailored to your individual requirements and may feature:

  • Combined liability – Public/products & employers liability
  • Contractors All Risks cover for:
    • Own plant, tools and temporary buildings
    • Contract works
    • Hired in plant
  • High-risk trades
  • No height limit available for most trades
  • Stand alone Contractors Plant cover
  • Excess of Loss for public/products and employers liability – available for annual or short-term contracts, when the existing policy cover is not wide enough or cannot be increased
  • JCT clause – protection for non-negligent damage to property while undertaking a building contract due to collapse, subsidence, heave, vibration, weakening or removal of support
Professional Insurance

Liability insurance for sole traders, partnerships and limited companies – available to a wide-range of professional trades usually where there is no manual work involved such as tutors, consultants, clerical occupations, book-keepers and many more.

Features may include:

  • Public liability
  • Employers liability
  • Various levels of cover – ranging from £1m limit of indemnity
  • Business equipment, tools and stock
Cleaning Contractors Insurance

Tailor-made cover for those who operate in the cleaning industry and available to all cleaning trades from sole traders to limited companies.

Features available include:

  • Public liability
  • Employers liability
  • Tools, equipment and machinery
  • Cover for property being worked on
  • Treatment risk for damage caused by cleaning chemicals
  • Loss of customers’ keys
  • Failure to secure customers’ premises
  • Electronically delivered documents for onward transmission to own customers
Sports Club Insurance Social Club Insurance

Specialist policy tailored to meet the specific needs of sports, social, health & fitness club operators. A wide-range of cover available and may include:

  • Buildings – including pavilions, spectator stands and dugouts
  • Playing surfaces
  • Property in the open
  • Equipment
  • Members’ clothing and personal effects
  • Liability cover