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What Insurance Does A Small Business Need?

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What Insurance Does A Small Business Need?

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Small businesses depend on the correct insurance to protect them in case of an incident, accident, or theft. Having the cover best suited to the size of their business and the type of business they are conducting is key, to knowing what insurance small businesses need.

For more information visit https://www.tradesmansaver.co.uk/.

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What Insurance Does A Small Business Need

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Public Liability Insurance Is It Important?

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Public Liability Insurance Is It Important?

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Public liability insurance is vitally important if the business deals with the public in any way. Claims for incidents or accidents can ruin a small business or trade if they do not have the correct insurance in place. Many companies will not employ businesses that do not have adequate or the correct insurance. Which is another reason to take out public liability insurance.

For more information visit https://www.tradesmansaver.co.uk/.

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Public Liability Insurance Is It Important

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What Insurance do Self-Employed Cleaners need?

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What Insurance do Self-Employed Cleaners need?

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There are as many different types of cleaner as there are different types of places to clean. Some cleaners specialise in domestic properties. Others clean retail premises, offices or residential care homes.

Insurance for domestic cleaners tends to come as a package containing a number of different types of insurance, although motor insurance is generally bought separately.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,
https://www.tradesmansaver.co.uk/cleaners-insurance/insurance-self-employed-cleaners-need/ .

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Tradesman Saver’s Tool Insurance Covers 

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Tradesman Saver’s Tool Insurance Covers 

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We cover van tool insurance in our policy, which also covers tools left in an unattended vehicle, although you will pay a slightly higher excess if they are stolen.

Tradesman Saver’s tool insurance begins from the moment you purchase your cover from us. Our policies are also in effect around the clock, and around the UK, offering you total protection if you can no longer use your equipment.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,https://www.tradesmansaver.co.uk/tool-insurance/.

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Public Liability Insurance by Tradesman Saver

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Public Liability Insurance by Tradesman Saver

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Public liability insurance your business if customers, suppliers, or members of the public suffer property damage or personal injury as a result of your business’s activities.

With Tradesman Saver’s comprehensive liability insurance under your belt, legal expenses and compensation claims are covered for accidents that occurred both on your premises and off-site.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,
https://www.tradesmansaver.co.uk/public-liability-insurance/

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Pet Sitting & Dog Walking Insurance by Tradesman Saver

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Pet Sitting & Dog Walking Insurance by Tradesman Saver

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Whether you’re a casual pet sitter, a tireless dog walker or run a barking dog boarding business, Tradesman Saver’s tailored pet sitting insurance protects your finances when unexpected incidents like injuries could otherwise prove costly.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,https://www.tradesmansaver.co.uk/pet-sitting-dog-walking-insurance/

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Electricians Insurance Cover From Tradesman Saver

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Electricians Insurance Cover From Tradesman Saver

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Tradesman Saver’s public liability cover for electricians protects you if your work ends up damaging a client’s property or injuring a client or member of the public.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,
https://www.tradesmansaver.co.uk/electricians-insurance/.

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Tradesman Saver’s Professional Indemnity Is Available With Tradesman Insurance

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Tradesman Saver’s Professional Indemnity Is Available With Tradesman Insurance

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Tradesman Saver’s Professional Indemnity Is Available With Tradesman Insurance

Our professional indemnity insurance with Tradesman Saver gives you and your business instant financial protection and access to a 24-hour helpline, providing all the legal advice you need. Our standard policy offers you up to £1,000,000 of professional indemnity cover.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,https://www.tradesmansaver.co.uk/professional-indemnity-insurance/.

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Professional indemnity insurance covers legal costs and expenses incurred in your defence and damages or costs that may be awarded. Get a quote today.

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What is Contract Works Insurance & what does it cover?

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What is Contract Works Insurance & what does it cover?

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Contract works insurance UK, sometimes called contractor’s all risks insurance policy, is a vital type of insurance for people who are operating in the construction sector. It covers a range of different types of property on the construction site against damage or losses due to theft or vandalism.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,
https://www.tradesmansaver.co.uk/contract-works-insurance/what-is-contract-works-insurance-and-what-does-it-cover/

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Affordable Construction Liability Insurance by Tradesman Saver

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Affordable Construction Liability Insurance by Tradesman Saver

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Construction business insurance isn’t actually one single policy, but the shorthand name for a series of covers under one umbrella term.

The constructor insurance packages from Tradesman Saver feature all the covers you need, including the likes of public liability insurance, products liability insurance and employer’s liability insurance.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,https://www.tradesmansaver.co.uk/construction-insurance/

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Get A Quote

Expert insurance policies for the construction industry for less than £59* per year

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Construction Liability Insurance
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Construction business insurance isn't actually one single policy, but the shorthand name for a series of covers under one umbrella term. Together, they provide cover for construction workers in case of any accident or injury to you, your team, or any members of the public, as well as property damage both on and offsite.

The constructor insurance packages from Tradesman Saver feature all the covers you need, including the likes of public liability insurance , products liability insurance and employer's liability insurance . Consequently, you can go about doing what you do best safe in the knowledge that your business is safeguarded from any accidents.

Why do you need construction insurance?

Even the most seasoned professionals within the construction industry aren't immune from potential danger. The possibility of accidental damage or injury to your team, or a member of the public, can be financially disastrous if you're not covered by a comprehensive policy. Construction business insurance offers peace of mind to workers and clients alike that, in the event of an such incidents, anyone affected will be entitled to the compensation they deserve.

Here at Tradesman Saver, we offer affordable construction liability insurance to ensure that everyone can get the cover they require. To create a tailored policy that's ideal for your requirements, fill out our online form today.
Get a Quote Learn about Public Liability

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our construction insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for construction

Finding the right insurance policy for your construction business can be a challenge. There's a whole wealth of terminology to try and wade through and it can often leave you feeling more confused than when you started! The one cover you need to know about though is public liability.

Public liability insurance for construction workers is essential, covering your business for any injury to third parties or damage to their property. It even protects you from claims made against you by your clients, or members of the public, who may have been hurt by your business' activities. Among the situations it covers are:

Accidental damage to a client's property while you're working

A client tripping over the cable of your power tool and hurting themselves

Damage to a client's neighbour's fence while you're on a job

Injury caused to a member of the public after you drop a tool on them from height

Why do you need construction public liability insurance?

Regardless of your team's level of expertise, accidents happen. If inadvertent damage or injury occurs as a result of something your workers have done - whether to another worker or a member of the public - you need to be certain that any legal fees or compensation you must pay won't put you out of pocket. Public liability insurance for the construction sector allows you to rest easy knowing that if the worst does happen, you'll be covered, no matter the circumstances.
Get a Quote

How much does construction insurance cost?

How much constructors insurance costs depends on factors like the type of buildings you construct, your experience and your claims history. The type of cover you choose can affect the price too.

Here at Tradesman Saver, our construction insurance policy includes a number of additional covers as standard, including legal expenses , financial loss and accidental death cover. This gives you some of the most comprehensive cover around.

Construction insurance quote examples

£58.76 / year A builder working on domestic and small commercial properties less than 10 metres in height, including new builds, alterations and repairs

Sole trader

No employees

5 years experience

Based in Cornwall

No claims

£85.50 / month £971.56 / year A construction firm working on commercial and domestic properties including new builds, alterations and repairs

Limited Company

3 Employees

5 years experience

Based in Liverpool

No claims

The above quote examples were taken from our online system on 14/06/22. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

What is the excess under a construction insurance policy?

Most insurance policies are subject to an excess, which is the amount you agree to pay towards a claim. You'll find information on standard excesses under a Tradesman Saver construction insurance policy below, but you should check your own to see exactly what applies to your policy. This is because the excess can vary depending on the kind of work you do.

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Your insurance policy starts from the second you click "Purchase".

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Construction Insurance Related Articles

Construction Insurance: Frequently Asked Questions

Do I legally need construction insurance?

The only time you legally require construction insurance is if you employ members of staff, in which case you need employer's liability insurance by law. However, not only will construction insurance safeguard your finances, but will make prospective customers more likely to hire you.

How much construction insurance do I need?

The amount of construction insurance you require depends on things like how risky your jobs are, how big your contracts are, and how expensive your equipment is. Unsure how much you need? We can help you work this out.

How do I make a claim on my construction insurance policy?

In order to make a claim on your construction insurance policy, get in contact with your provider ASAP. When completing the form, check that you're within the time limits for making a claim and that your policy covers the type of claim involved. We also recommend finding out what this excess is so you know what the insurer will deduct from the claim.

What information do I need to provide?

When obtaining a construction insurance quote, you'll need to provide basic details like your name, address and the type of work you do. Your provider will also need to know the size of your business, which involves giving information about your annual turnover and how many workers you have. They may also request details regarding previous insurance claims.

Similar Construction Trades We Cover

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Construction Insurance | Affordable Construction Liability Insurance

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Get A Quote Expert insurance policies for the construction industry for less than £59* per year Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) Construction business insurance isn't actually one single policy, but the shorthand name for a series of covers under one umbrella term.

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Business Insurance for Caterers by Tradesman Saver

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Business Insurance for Caterers by Tradesman Saver

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When you’re looking to insure your catering business, a public liability policy should be the main priority.

Caterers should also look at other types of coverage, such as employers liability insurance, which is a legal requirement if you hire any staff.

You may also choose to take out a product liability insurance policy for your catering equipment, in case of any malfunctions or breakdowns.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. When you’re looking to insure your catering business, a public liability policy should be the main priority.

Caterers should also look at other types of coverage, such as employers liability insurance, which is a legal requirement if you hire any staff.

You may also choose to take out a product liability insurance policy for your catering equipment, in case of any malfunctions or breakdowns.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,
https://www.tradesmansaver.co.uk/catering-insurance/.

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Public Liability Cover for Carpenters & Joiners by Tradesman Saver

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Public Liability Cover for Carpenters & Joiners by Tradesman Saver

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Carpenters and joiners would benefit from many of the policies included in Tradesman Saver’s automatic cover. The most useful of these is public liability insurance, which provides protection if any work conducted by you or your team leads to property damage or third party injury.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Vi,https://www.tradesmansaver.co.uk/carpenters-joiners-insurance/ sit

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Cheap Carpenter & Joiner Insurance You Can trust | TS® UK

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Carpenters and joiners insurance that will keep your business stable. Save on costs with A+ Rated insurance you can trust.

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Public Liability Insurance Cover for less than £59* by Tradesman Saver

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Public Liability Insurance Cover for less than £59* by Tradesman Saver

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Public Liability Insurance Cover for less than £59* by Tradesman Saver

Public liability insurance your business if customers, suppliers, or members of the public suffer property damage or personal injury as a result of your business’s activities.

With Tradesman Saver’s comprehensive liability insurance under your belt, legal expenses and compensation claims are covered for accidents that occurred both on your premises and off-site.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,https://www.tradesmansaver.co.uk/public-liability-insurance/

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Business Contents & Building Insurance Cover in UK by Tradesman Saver

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Business Contents & Building Insurance Cover in UK by Tradesman Saver

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Business Contents & Building Insurance Cover in UK by Tradesman Saver

Business contents insurance can be purchased as an optional cover, which we advise you take out alongside our automatic policy package.

This cover also protects you in a wide range of scenarios, like the accidental death of an employee or if you face action over financial losses caused to a third party.

Give us a call on 0800 121 8748, and we’ll be happy to arrange a suitable package. Visit,https://www.tradesmansaver.co.uk/business-contents-insurance/

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Get A Quote

Available as an optional extension for all Tradesman Saver customers

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Business Contents Cover
Our Business Contents cover includes:

Up to £20,000 all risks cover

Cover available in multiples of £5,000

Contents covered at the premises in connection with your business

Base cover includes public liability insurance

Business contents insurance can be purchased as an optional cover, which we advise you take out alongside our automatic policy package.

As part of this standard package, you also get public liability and products liability cover to provide protection should your business activities or products injure somebody, as well as cover for up to £250,000 worth of legal expenses. This also protects you in a wide range of scenarios, like the accidental death of an employee or if you face action over financial losses caused to a third party.
O ur business contents insurance cover starts at £5,000 and can be increased in steps of £5,000 as needed - and up to £20,000. Should you need higher limits of cover, give us a call, and we'll be happy to arrange a suitable package. Get a Quote

What's included with our Automatic Cover

Learn more about our Additional Cover Options

What is business contents insurance?

As a trade business owner, you will likely rely on equipment like PCs and telephones to run your company on a day-to-day basis. However, if any of these are stolen or damaged beyond repair, it can make it extremely difficult to continue operating . Not o nly would it affect your ability to keep things running efficiently, but could also lead to unexpected costs that make a huge dent in your bottom line.

Business contents insurance is designed to cover items you rely on - excluding any technical tools and equipment you use on the job, like hammers, screwdrivers, and drills-should the worst come to the worst. Items covered include PCs, desks, furniture, and telephone systems. Tradesman Saver gives you wide-ranging, all risks cover if this equipment is stolen, destroyed, or damaged.

Why do you need business contents insurance?

What would you do if your home office was destroyed by a fire and you lost all of your business equipment? Or if your premises were broken into and the entire contents were stolen? Either way, you would be left without this vital equipment, and forced to foot a hefty bill to replace it. This is exactly why business contents insurance is so important.

Having business content insurance in place ensures that, should your business contents be destroyed, damaged, or stolen, your insurer will pay the replacement costs. Meaning your business remains ship-shape and your projects run on time.
Please note that business contents insurance is an optional cover that you can add to your policy. Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Instant Cover

No need to wait for your documents. You're covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Business Contents Insurance: Frequently Asked Questions

What does business content insurance cover?

Business content insurance covers you if your business contents are lost, stolen, or damaged. Situations that might result in a claim include theft, malicious damage, fires, flooding, and lightning or storm damage.

Why is business contents insurance important?

Many business owners overlook their contents, and focus on covers like public liability and legal expenses instead. But without investing in business contents insurance, your company could be seriously hampered if you suddenly find yourself without essential office equipment like your PCs and telephones. You may be unable to afford any replacements, potentially forcing you to let clients down. Even if you can afford them, this will still eat into your hard-earned profits. Business contents insurance ensures that you'll never be faced with these predicaments.

How much is business contents insurance?

You can add business contents insurance to your Tradesman Saver policy for as little as £15. The final cost of your policy will depend on factors like the level of cover you select, the location of your premises, and the type of business you run.

Can I get business contents insurance only?

No, business contents insurance is only available as an optional extension to our standard policy, which includes financial loss, products liability, legal expenses, and accidental death cover.

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Low-Cost Business Contents Insurance You Can Trust| TS® UK

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Get A Quote Available as an optional extension for all Tradesman Saver customers Not on comparison sites - save money by coming direct to us Quick Online Quote Our Business Contents cover includes: Up to £20,000 all risks cover Cover available in multiples of £5,000 Contents covered at the premises in connection with your business Base cover includes public liability insurance Business contents insurance can be purchased as an optional cover, which we advise you take out alongside our automatic policy package.

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Cover for Accidental Death by Tradesman Saver

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Cover for Accidental Death by Tradesman Saver

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Accidental death insurance is automatically activated from the moment of purchase. This provides our customers cover with an indemnity limit of £10,000, which is the most we’ll pay out in a single claim.

Product liability and financial loss insurance is also included, and we provide up to £250,000 for legal expenses on top of a 24-hour legal helpline.

Contact us on 0800 121 8748 to arrange a personalised insurance policy, offering your business all the protection it needs.

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Get A Quote

Standard cover if you or an employee is accidentally killed

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Accidental Death Cover
Included as standard with our public liability policy Our standard cover is:
£10,000 following accidental death of you or any of your employees

Accidental death insurance is automatically activated from the moment of purchase. This provides our customers cover with an indemnity limit of £10,000, which is the most we'll pay out in a single claim. Please contact us if you feel this figure isn't enough to meet your requirements so we can arrange appropriate, increased cover.

Accidental death insurance is provided as standard with all Tradesman Saver policies. This automatic package includes all the coverage businesses need to protect themselves against any unexpected, hazardous circumstances. You'll be insured for public liability , which is very important, as this covers the cost of all compensation and legal expenses if your work causes personal injury to a third party, or damages property. A serious accident could leave businesses thousands, or even millions of pounds out of pocket for serious accidents, but public liability insurance means you'll never have to bear that burden.

, a comprehensive cover that safeguards you against all the dangers that come with being a contractor. Product liability and financial loss insurance is also included, and we provide up to £250,000 for legal expenses on top of a 24-hour legal helpline. Though all these covers are automatically part of any Tradesman Saver policy, it may be wise to add some further, optional protection. Tradesmen can benefit from professional indemnity insurance , which pays out if your business provides poor service or bad advice, resulting in legal action. Another useful policy may be contractors all risk Contact us to arrange a personalised insurance policy, offering your business all the protection it needs.
Get a Quote

What's included with our Automatic Cover

Learn more about our Additional Cover Options

What is accidental death insurance?

When working as a tradesperson, there are workplace hazards wherever you turn. As a business owner, of course you don't want to think about the possibility of you or any of your employees being killed on the job. However, preparing for the worst is always in your company's best interest. And with accidental death insurance, we'll immediately issue a lump sum payment of £10,000 after the unexpected death of anybody in your team under the age of 70.

Why do you need accidental death insurance?

Your job may be very rewarding, but life as a tradesperson means you can't ignore the potentially dangerous nature of your work. For instance, if you're an electrician, you may be working closely with high-power wires. Or if you work in construction, any power tools you use could have fatal consequences if something were to go wrong. As well as having to deal with the emotional repercussions of an accidental death, this could also be terrible news for your company's finances. Luckily, our cover means your business can continue to function following a tragedy.

You can buy accidental death insurance online with Tradesman Saver as part of our standard automatic package, giving you peace of mind at no extra charge.

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Instant Cover

No need to wait for your documents. You're covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Accidental Death Insurance: Frequently Asked Questions

Is accidental death insurance worth having?

It's certainly a good idea for businesses to have accidental death insurance in place. Though it may seem unlikely that such a serious incident could happen in your workplace, some accidents can't be prevented. With an accidental death policy in place, you'll have peace of mind in knowing that if the worst were to happen, your business would be safe from any financial burden that could follow.

What does accidental death insurance cover?

Accidental death insurance covers the deaths of you or any of your employees who are under the age of 70. This must be as a result of a sudden, unexpected incident. You won't be covered if anyone dies by suicide or self-harm, illness or disease, or reckless behaviour-including any incidents in which they are under the influence of alcohol or drugs.

How much accidental death insurance do I need?

Here at Tradesman Saver, we offer our customers a lump sum payout of £10,000 in the event of an accidental death. However, you may feel this will not be enough to cover the impact that a sudden death could have on your company. It's worth considering how dangerous your work is, and how much money you'd need to support your business if you or an employee was unexpectedly killed. If you require a higher indemnity limit, do get in touch so we can arrange a bespoke policy for you.

How much does accidental death insurance cost?

We offer accidental death insurance for as little as £53 a month, and this also covers you for public liability, product liability, financial loss, and legal expenses. However, the cost will depend on a number of factors. You may have to pay more if your job is particularly high risk, and we'll also consider things like the length of your contracts and the size of your clients. For the best price estimate, get a free quote with Tradesman Saver.

How do I claim accidental death insurance?

It's very easy to claim accidental death insurance with Tradesman Saver. Simply contact us with all the details of the incident so we can review the claim. We may sometimes require additional information, like medical forms, and if the claim is successful, we'll issue payment immediately.

What is accidental death insurance vs life insurance?

Unlike accidental death insurance, which offers a lump sum payout after any deaths caused in unexpected circumstances, life insurance doesn't consider how exactly the person in question has died. As such, it also covers death by illness, and this must occur within a particular time frame-generally anywhere from 10 to 30 years-agreed with the insurance provider.

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Accidental Death Insurance | Cover for Accidental Death

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Get A Quote Standard cover if you or an employee is accidentally killed Not on comparison sites - save money by coming direct to us Quick Online Quote Included as standard with our public liability policy Our standard cover is: £10,000 following accidental death of you or any of your employees Accidental death insurance is automatically activated from the moment of purchase.

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Plumbers Across The UK Set To Change The Way We Heat Homes

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Plumbers Across The UK Set To Change The Way We Heat Homes

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With the industry moving towards renewable energy, what do plumbers need to know to stay ahead of the game?

It’s currently unclear when the gas boiler ban will come into effect, and how realistic the targets to reduce carbon will be.

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As part of the UK governments push for a carbon neutral future, there are plans to ban the sale of gas boilers from 2023. However, since the announcement, the date on the ban has been removed from the Build Back Better 10-point plan.

It's currently unclear when the gas boiler ban will come into effect, and how realistic the targets to reduce carbon will be.

With 29 million home owners in the UK, and only a million using low carbon heating methods, it's going to be a huge task to meet proposed deadlines.

What are the alternatives?

It's all well and good phasing out fossil fuel energy, but people still need to heat their homes. How efficient and cost effective are the environmentally friendly alternatives for consumers?

Electric Boilers

Energy generated by renewable resources passed 43% in 2020, which is excellent news for those using electricity to keep their home warm. Compared to gas boilers, which are known for energy loss, electric boilers are 100% efficient. However, price per kWh is still higher than gas, making electricity less affordable.

Even with companies like Octopus Energy, who are 100% renewable, customers are paying 4 times more. With prices for electricity much higher than gas, it will be a challenge to convince homeowners to change.

The list of energy saving products continues to grow each year.

Heat Pumps

Another alternative to gas is energy sourced from heat pumps. There are two types.

Air source heat pumps use a fan to draw in the surrounding air, and transfer it through a heat exchanger. It's like a refrigerator or air conditioner, but in reverse.

The second type of heat pump isn't as easy to install. Ground source heat pumps use heat generated in the ground. However, to reach this heat, land needs to be found to lay groundwork, and pipes need to be installed. This is less of an issue for homes with a garden, or land surrounding the property, but what about flats?

If a large number of flats are drawing energy from the same pipework, ground source heat pumps may struggle to keep up with demand.

Hydrogen

Looking at the following benefits, Hydrogen appears to be a good option for a greener world.

Having said that, there are many types of hydrogen, and some types have issues.

Green hydrogen produces zero emissions and is considered the cleanest type. However, electricity is needed to produce green hydrogen. Using wind and solar to produce this electricity is the best option, but can renewables meet capacity?

Blue hydrogen has also been considered by the government, but a recent study has revealed that blue hydrogen may give off more emissions than gas.

Blue hydrogen is made from fossil gas and could be 20% worse for the environment, compared to the gas most homes currently use.

Another issue with hydrogen is that it's difficult to store and move around. It's also very flammable, and could be a risky source of energy when used commercially or at home.

The cost of a green future

There are many benefits to using alternative energy to run our home. Less carbon emissions. Reduced energy bills (over time). Cleaner air and environment.

But these alternatives are not cheap. Replacing boilers, installing heat pumps and storing renewables, can run into thousands of pounds.

Schemes such as the Green Homes Grant have helped homeowners become more energy efficient, in the past. But is this enough? The fact is, most families can't afford to make the changes needed to meet government targets.

What this means for plumbers

For plumbers, the market has never looked better. With most firms struggling to keep up with demand, the industry is crying our for new talent. The opportunities for multi-skilled plumbers is set to skyrocket over the next 10 years. With earnings for new recruits reaching £150,000 in 2021, saving the planet has never been so profitable.

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Plumbers across the UK set to change the way we heat homes - Tradesman Saver

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As part of the UK governments push for a carbon neutral future, there are plans to ban the sale of gas boilers from 2023. However, since the announcement, the date on the ban has been removed from the Build Back Better 10-point plan.

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How To Choose A Vacuum For Commercial Cleaning? | Tradesman Saver

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How To Choose A Vacuum For Commercial Cleaning? | Tradesman Saver

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This month, we thank James Hall of Spotless Vacuum, who has put together this informative article about commercial vacuum cleaners.

When it comes to commercial environments, a domestic vacuum cleaner isn’t up to the job. You need a durable vacuum that’s reliable, powerful, and built to last.

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When it comes to commercial environments, a domestic vacuum cleaner isn’t up to the job. You need a durable vacuum that’s reliable, powerful, and built to last.

In this article, we’ll discuss the advantages of a commercial vacuum cleaner, along with some tips for choosing the right model.

Why Buy a Commercial Vacuum Cleaner?

Commercial vacuums don’t include the flashy features found on modern Dyson or Shark vacuums. You won’t find adaptive suction, LCD screens, or anti-hair wrap technology on these vacuums.

Instead, the best commercial vacuums are durable, powerful, and have a large dust capacity. They are designed for daily use on large areas of floor, while being easy to use and ergonomic.

In many cases, commercial vacuums are also cheaper than domestic models – despite being more powerful and long-lasting. This is because they tend to have simple designs.

Choosing a Commercial Vacuum Cleaner

Type of Vacuum

There are two main types of commercial vacuum: dry and wet/dry.

If you’re going to be vacuuming liquids, then a wet/dry vacuum is essential. Look for a model with an automatic shut off function, so that the vacuum cuts out when the tank is full.

It’s also worth considering whether you want a cylinder or upright model. Most commercial vacuums have a cylinder design, as these have large capacities and are versatile. For cleaning large areas of floor, however, an upright vacuum can be a good choice.

What About Cordless Vacuums?

Cordless vacuum cleaners might be convenient, but the vast majority of current models can’t provide the suction power or durability required for commercial cleaning. This may change in the future, but probably not until there are improvements in battery technology.

There are a few exceptions though. If you’re going to be cleaning an area without a power socket, for example, then you may have no choice but to use a cordless vacuum cleaner.

The Karcher T 9/1 Bp is an option to consider in this situation, as it’s a durable cylinder vacuum that can last up to 43 minutes on a single charge.

Type of Debris

Make sure you consider the type of cleaning you’ll be doing with the vacuum. Not all commercial vacuums are designed for the same type of work.

If you’re going to be cleaning offices, for example, then you’ll want a model that’s mobile, has a large dust capacity, and is great at cleaning floors. If you’re going to be using the vacuum during house renovations, then a model that can handle sharp debris is vital. You may also want to look for a vac that can be linked to a power tool (such as a grinder).

Motor Type

A commercial vacuum needs to cope with extensive use and tough jobs. For this reason, it’s important to choose a vacuum with a motor that’s built to last.

Cheaper vacuums often have a single stage motor. With these models, the same air that pulls in dirt is used to cool the motor, which makes it much more likely for debris to end up inside the motor. This reduces the longevity of the vacuum and makes faults more likely.

Instead, we recommend buying a vacuum with a two-stage motor (also known as a by-pass motor.) The motors inside these vacuums are isolated from the airflow, which makes the vacuum more likely to last a long time. The downside to two-stage motors is that they are more expensive.

Dust and Dirt Capacity

Dirt capacities vary widely when buying a commercial vacuum cleaner. Basic models typically have an 8-10 litre dirt capacity, which is plenty for basic jobs.

The largest models can hold considerably more than this though.

If you need to vacuum large quantities of debris, or you’re buying a wet/dry vacuum for fluids, then a bigger capacity is important. The Maxblast 10678, for example, has an 80-litre capacity.

Construction Quality

Commercial vacuums are nearly always more durable than those for home use. But if you need a vacuum that’s going to last many years, then it’s worth paying extra for strong construction.

The most durable vacuums often use stainless steel, aluminium, or high-density plastic exteriors. It’s also worth checking reviews to find out which models are proven to be dependable.

Filtration

It’s vital to choose a vacuum cleaner with a filtration system that can handle the type of commercial cleaning you’ll be doing.

True HEPA filters are a great choice for everyday commercial cleaning, as they filter particles down to 0.3 microns in size. This makes them much more effective than standard foam filters, which typically only catch particles that are more than 10-15 microns.

If you may be vacuuming any hazardous materials, then you’ll need a filter that’s safe for this type of material. Not only that, but you’ll need to ensure that the vacuum is properly sealed.

If you’re not sure which filter to use, then consult with an expert before vacuuming any material that might be dangerous.

Other Considerations

The length of the cord and stretch hose determines the cleaning radius of a vacuum. Don’t underestimate how much more efficient it is to vacuum with a  model with a wide radius.

If mobility is an important factor when choosing your vacuum cleaner, then you may want to consider a backpack vacuum. These models are particularly  useful for cleaning large areas with lots of obstacles, such as offices.

If you’re going to be cleaning while other people are working, then the noise output of the vacuums important to consider. The lower the dB, the less likely the vacuum is to cause a disturbance. Anything under 80dB is a good place to start.

Try to buy for brands that make it easy to repair the vacuum, such as Sebo. If the company doesn’t provide fast support, or it’s hard to get hold of spare    parts, then even a small issue could put your vacuum out of action for a long time.

Similarly, look for a model with a long warranty.

Summary

Choosing a commercial vacuum cleaner isn’t always easy. There isn’t a “best” vacuum for all situations, as each model has strengths and weaknesses. Instead, look for a vacuum that’s suitable for the type of cleaning and debris you’ll be tackling.

If you’re in the commercial cleaning business, it’s vital that you’re covered with the correct insurance. Working with the public comes with significant risks, and if you damage property or injure your client, costs can run high. Commercial cleaners’ insurance reduces these risks and is available for as little as £67 a year.

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How to Choose a Vacuum for Commercial Cleaning - Tradesman Saver

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This month, we thank James Hall of Spotless Vacuum, who has put together this informative article about commercial vacuum cleaners.

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Five Property Renovation Trends That Add Value To Your Customer’s Home

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Five Property Renovation Trends That Add Value To Your Customer’s Home

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In-house Inspired Room Design shares a few concepts that tradespeople can use to ensure their labour helps boost property value.

Home improvements can be costly, so those selling property want to know they can get a return on investment. In this article, InHouse Inspired Room Design shares a few concepts that tradespeople can use to ensure their labour helps boost property value.

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Home improvements can be costly, so those selling property want to know they can get a return on investment. In this article, InHouse Inspired Room Design shares a few concepts that tradespeople can use to ensure their labour helps boost property value.

You may have noticed more contracts to work on private homes, and an increase in home improvements for property investment and sales.
Homebuyers are more discerning about what they want, and due to their busy lifestyles they are less likely to be looking for ‘fixer uppers’ than in previous years. So, property developers and estate agents want to provide homes with the latest eye-catching features and décor in order to boost their sales.

But which improvements actually add value to a property, and how can tradespeople make sure their services positively impact house sales? To help attract more buyers and increase property value, here are six up-and-coming home improvement concepts to consider.

Multi-functional spaces

Open plan homes, particularly kitchens, diners, and living spaces, had already been rising in popularity pre-pandemic. But, as more people use their homes as offices, classrooms, gyms, and other environments, property experts want to provide buyers with homes that can be easily transformed and personalised.

Wide open spaces with compartmentalisation through décor, rather than walls and partitions, is ideal for this. Tradespeople should prepare for plenty of home improvement contracts that turn individual rooms into multi-functional spaces.

Remember, before you take on work to open up space inside a property, double, then triple check you’re not putting the structure of the building at risk. Construction on load-bearing walls should be approached with care and caution.

If the homeowner wants work carried out on a flat they have purchased, permission may be needed form the freeholder. And any work done on a house may have to be reviewed by the local authority before work can begin.

In both cases, it’s advisable to hire a surveyor to make sure the proposed work is above board, and more importantly, safe.

Storage solutions

Where spare bedrooms, lofts, and outbuildings were once predominantly used for storage, these are being turned into hobby rooms, work areas, and other functional spaces. This means huge potential for carpenters looking to enhance a homeowner’s storage solutions. Bespoke storage can be built into any room with space that’s not being used to its full potential. Cupboards, draws, wardrobes, and multi-functional furniture can maximise space and offers carpenters the chance to use their creative powers.

Bringing the inside out

Landscaping has never been more important, as many home hunters now list a garden as one of their most sought-after features when buying a property. Landscapers and gardeners will obviously benefit from this, but joiners, electricians, and even plumbers can expect requests for more garden-centric projects such as outdoor kitchens.

These incorporate features such as sinks and cookers alongside decking and garden furniture to create an outdoor space that’s perfect for socialising. Demand for summerhouses that take indoor comforts outside – even in the classic British weather – is also increasing.

Again, double-check the owner has or needs planning permission before contracts are signed. And it’s worth asking the owner if they have spoken to the neighbours about work they plan to have done. Even simple projects can cause disputes that last years.

Going green

The sustainability movement and increased public interest in greener ways of living has led to a spike in demand for eco-friendly home improvements. These can range from installing insulation, double, triple, and quadruple glazing, smart heating and water systems, and even electric vehicle charging points.

You can either add eco-friendly services like these to your repertoire, or make your current services as eco-friendly as possible. For example, working exclusively with recycled or sustainable materials, or minimising journeys to reduce your carbon footprint.

Kitchens and bathrooms

While other features like a gym, home office, or outdoor dining area have become more fashionable, kitchen and bathroom remodels are still one of the most valuable additions you can make to a home. So, while widening the scope of your projects and branching out into new areas, be careful not to neglect your core offerings and let their standards slip.

Home improvements are booming, but so is the market for homes with the latest trends. These concepts for tradespeople can help ensure that their labour improves property value and result in better sales.

Tradesman Talk

Are homeowners requesting the same kind of work on their property? Or do you have your own predictions on projects set to trend this year?

What about green investment?

With energy bills increasing, are customers looking for ways to save money and improve their EPC rating?

Leave your thoughts in the comments below.

And if you thought this article was interesting, share it with someone on social.

Until next time, make sure it’s Tradesman Saver.

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Five property renovation trends that add value to your customer’s home - Tradesman Saver

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InHouse Inspired Room Design shares a few concepts that tradespeople can use to ensure their labour helps boost property value.

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9 Surprising Things They Don’t Tell You About Trade Work By Tradesman Saver

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9 Surprising Things They Don’t Tell You About Trade Work By Tradesman Saver

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It’s a well-known feeling, that immense satisfaction that comes from working with your hands.

Still, these 9 facts rarely mentioned about trade work may surprise you. Read on to learn why this career path might not be exactly what you once thought.

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"He who works with his hands is a labourer. He who works with his hands and his head is a craftsman. He who works with his hands and his head and his heart is an artist." -Saint Francis of Assisi

It's a well-known feeling, that immense satisfaction that comes from working with your hands.

Still, these 9 facts rarely mentioned about trade work may surprise you. Read on to learn why this career path might not be exactly what you once thought...

1. Trade Work Requires Intellect

Far too often the so-called "blue-collar" career path is assumed to be a less intellectually stimulating course.

At the risk of disappointing those looking for a potentially "easier path," the fact is, most trades require a great deal of thought, creativity, and problem-solving.

Consider your typical electrician. Every day he is traveling to a new location, interacting with new individuals, learning to solve problems in new situations each time.

Some folks envision seeking a degree that will lead them to be innovative-the next Steve Jobs. However, the truth of the matter is, most jobs do have some degree of tedious work required. (Especially office jobs).

2. There's Great Job Satisfaction

There's a reason everyone's favourite classes in secondary school are often things like textiles, food tech or wood tech.

People love creating things with their own hands and seeing projects through from start to finish.

There is a great deal of satisfaction in the trade industry for those who get the chance to use their hands to take something from raw materials and shape or create it into something totally new.

Most trades are at their most basic form, are some type of art.

3. Enjoy Job Security

With trade work, once you become certified in your field, you can basically always count on finding a job. Not only this, but you can enjoy more mobility.

Anywhere you choose to live, there will be a need for mechanics, plumbers, builders, or other trades.

4. Receive Benefits

This is one of the aspects of trade work that often surprises many people. Sure, back in 1900 when mining was among one of the largest popular trades, the working conditions weren't exactly ideal.

However, today, most trades carry with them an excellent benefits package, great pay, and even opportunities for needed certification.

Because there are thousands and thousands of unfilled trade and labour jobs these days, many governments are working hard to incentivise students and even older individuals to choose trade work to fill these needs.

5. Freedom from Debt

With literally millions of "white collar" workers struggling to pay off student loans, it's no wonder many of them aren't feeling at peace with their career path.

In contrast, trade workers can become certified and begin jobs with far less financial burden if any.

As mentioned in our reason #4, many governments and private companies are now providing programs for students who commit to college.

This means that while those white-collar workers are spending years of post-graduate work paying off their student loans, trade workers are not only debt free but upon certification, they enter quickly into work that pays wel l and has the potential for upward mobility.

6. A Healthier Lifestyle

It's no secret that heart disease, diabetes, obesity, and other similar life-threatening illnesses are running rampant. Many researchers have proven how a major contributing factor to these killers is a sedentary lifestyle.

One of the most long-term and all-encompassing perks of being a tradesman is not having to sit around on your rear all day.

Merely being up and walking about more than the average adult who works in an office could add years to your life.

The health benefits of cardiovascular activities like lifting, bending, climbing, and a myriad of others are innumerable.

7. You're a Literal "Jack of all Trades"

In today's economic climate, many tradesmen have definite need of intellect and a variety of skills. Gone are the days of merely doing one task well and calling it good.

Most trade jobs today entail a little bit of business knowledge to garner clients, financial savvy to balance books and know how to turn a profit, management skills to hire and oversee a team. We could go on and on, and on!

While many ignorant souls may assume a builder is merely good at hammering nails, many trade workers are adept at highly specialised business or legal matters as well.

8. More Family Time

How often have you seen people who are doctors on the sidelines of their kid's football game? Sure, it happens, once a month when their 18-hour shift cycle is over.

Fortunately, for trade workers, time for family is much more easy to come by. Most trade jobs have normal business hours or are even based on weather or sunlight.

This means trade workers are more able to guarantee they will be there for anniversaries, birthdays, or holidays. In the grand scheme of things, this aspect of a job is huge.

After all, how many people do you think wish they had spent more time at work than with their families when their lives were coming to a close?

9. Develop Talents

Trade work allows you the chance to learn new skills that will be useful not only at work but often in daily activities.

The talents and skills you can develop in trade work can lead to fun hobbies, home projects, community service opportunities, or merely the great benefit of being self-reliant when something needs doing around the house.

Finding Happiness in Trade Work

If these 9 little-known perks of trade work haven't convinced you it's a great career path, perhaps a little research will.

Check out our post, The Pursuit of Happiness, and read up on how research shows that plumbers are the happiest in their own profession.

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9 Surprising Things They Don't Tell You About Trade Work - Tradesman Saver

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"He who works with his hands is a labourer. He who works with his hands and his head is a craftsman. He who works with his hands and his head and his heart is an artist." -Saint Francis of Assisi It's a well-known feeling , that immense satisfaction that comes from working with your hands.

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Save time and the environment with Knauf’s Airless spray

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Save time and the environment with Knauf’s Airless spray

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Knauf give us the rundown on a spray that makes plastering a breeze.

Sprayed directly onto the wall and ceiling surfaces, Knauf Airless gives a flawless finish in a fraction of the time needed for traditional plastering. Plus, a big bonus for tradespeople, significantly less wear and tear on arms and backs.

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This month, Tradesman Saver teams up with Knauf who share the benefits of their Airless plastering spray.

The 21st century alternative to traditional gypsum plaster

Less waste, less water, less dust, less time: that is the promise from Knauf Airless Spray Finishes, a 21st century alternative to traditional gypsum plaster.

Sprayed directly onto the wall and ceiling surfaces, Knauf Airless gives a flawless finish in a fraction of the time needed for traditional plastering. Plus, a big bonus for tradespeople, significantly less wear and tear on arms and backs.

Its crushed marble formula makes it easier to level and sand if required, and the product comes ready-mixed in recyclable bags. There is no need to mix with water on site, reducing standpipe costs on large builds, and application of the product prior to sanding is dust-free, giving a much cleaner and safer environment.

Smooth finishes

These were some of the benefits discovered by James Evans, Director of Spray Pro Ltd:
"We recently used Knauf Airless for the first time on a project in Mayfair. It is honestly one of the best we have used - it certainly provides a smoother finish and a cleaner look. We have had to do a lot less sanding and it simply dries a lot smoother. Knauf is definitely the way forward for us as a company."
A similar sentiment was expressed by Wates Construction after specifying the spray plaster for a fast, high-quality finish throughout Stag House, a new housing development in Putney, London.

Tom Hooper-Smith, Project Manager for Wates Construction, was particularly impressed with the safety of the product in use.
"Knauf Airless Ready-mixed Finish produces little dust during application, as little or no sanding is required, meaning that the environment is safer and more comfortable for site workers." "The cherry on top has to be that there's no waste from the product - any unused excess can be scraped back into the hopper - so it is both ecological and economical. It's a win-win, I really do think it's the way forward."
No gypsum, and greatly reduced dust, means a much cleaner and healthier environment for site workers, quicker clean up, less waste and making good. The Knauf range contains trace silicate; well below HSE requirements.

Introducing the spray method

Knauf Airless is applied using an Airless piston-pump machine which are available for hire or purchase. Learning how to spray Airless is a quick and easy process, especially with Knauf training courses.

Tradespeople unfamiliar with using spray finishes may be interested to know that the Knauf Airless spray course is consistently one of Knauf's most popular.

This course introduces contractors to the spray method of internal Airless finish application, allowing attendees to produce finished substrates ready for decorating without necessarily needing to employ a traditionally-trained plasterer. It's a great way to expand the range of services provided on a job without increasing the size of the team.

The Learning Zone

The product was specified for Stag House primarily for its speed and ease of use, but for subcontractors ASH Drywall it was a first, so the training provided by Knauf was an essential part of the service.

ASH Drywall sent a team to the Knauf Learning Zone, the training centre in Sittingbourne, to make sure they were completely comfortable with the system before starting the project and Knauf also followed up with a site visit to answer any last-minute questions.

The subcontractors are enthusiastic, with initial reservations about using an entirely new process being overturned during the supportive training process from Knauf. Having used the product on site, ASH Drywall has indicated that the company will be happy to tender with this product in the future.

About Knauf

Knauf is one of the largest producers of plasterboard in the UK.

Part of the Knauf Group, a family-owned group of companies that manufactures building materials globally, Knauf UK sells plasterboard, finishes, metal sections, flooring, external renders, insulating laminates, drywall accessories and more.

The UK business was founded in 1988 when the Knauf Group built a plasterboard factory in Sittingbourne, Kent. Two years later, Knauf opened a second manufacturing plant in North East Lincolnshire. In 2013 The Cube opened in Kent, a modernist-inspired building housing an innovative training, visitor and administrative centre. And, most recently, in 2018 the Knauf Clerkenwell showroom opened in London.

Find out more about Knauf by visiting www.knauf.co.uk

Tradesman Talk

Would you use the Airless spray on site? And do you think it will make plastering walls and ceilings easier?

Leave your thoughts in the comments below.

And click the links to share this article with someone you know.

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Product News: Save time and the environment with Knauf's Airless spray - Tradesman Saver

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This month, Tradesman Saver teams up with Knauf who share the benefits of their Airless plastering spray. Less waste, less water, less dust, less time: that is the promise from Knauf Airless Spray Finishes, a 21st century alternative to traditional gypsum plaster.

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Why Builders Need To Consider Business Risk Insurance

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Why Builders Need To Consider Business Risk Insurance

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No matter what kind of building your business is involved in, it needs to seriously consider taking out a builder’s risk insurance policy . Day-to-day responsibilities can have anyone consumed within their business with no time to even think about factors that could have huge effects on the business at the drop of a hat.

Visit for more details, https://www.tradesmansaver.co.uk/.

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Why Builders Need To Consider Business Risk Insurance

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Fully Understanding A Business Contents Insurance

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Fully Understanding A Business Contents Insurance

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If you have started a business at any stage of your life, the concept of a business contents insurance has come up at some point. This type of insurance covers everything that you have bought for your business. From coffee machines to laptops and office desks.

Visit for more details, https://www.tradesmansaver.co.uk/.

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Fully Understanding A Business Contents Insurance

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Security Public Liability Company Insurance Cover From Tradesman Saver

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Security Public Liability Company Insurance Cover From Tradesman Saver

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As a security guard, you should think about taking out multiple policies to cover your work, including public liability insurance. Although your job is to protect others from harm, accidents are always possible, whether it’s at a danger to yourself or someone else. Contact us for more details, 0800 1218748.

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Public Liability Cover for Security Guards

As a security guard, you should think about taking out multiple policies to cover your work, including public liability insurance. Although your job is to protect others from harm, accidents are always possible, whether it’s at a danger to yourself or someone else. Public liability insurance protects you if your work happens to damage a client’s property or you cause harm to a client or member of the public. Any claims made against you can cost a small fortune, potentially putting your company in financial peril. But by having public liability insurance, you won’t be responsible for paying any of the expenses involved.

Cover is available up to £5 million for public and products liability.

Security Guard Insurance: What can be included in your policy?

To ensure you receive the best possible cover for the most affordable price, you’ll find everything you may possibly need in your policy, including:

Public & Products Liability up to £5 million

Employers Liability at £10 million

Contractors All Risks Insurance which provides cover for

Contract Works

Owned Plant

Hired-in Plant

Employees’ Tools

Essential Legal Expenses at £100,000

What is security guard insurance?

Whether you’re self-employed, work with a team of security guards, or run your own business, being a security guard can be dangerous, which is why having a good insurance policy is crucial. As a security guard for any property, insurance covers the risks involved. This includes any physical and mental injuries you sustain, such as wounds and post-traumatic stress disorder. With a security guard insurance policy, you can rest assured knowing you and your business are safe from the cost of any damages.

Why do you need security guard insurance?

There is a high level of responsibility and risk associated with working as a security guard. You are trusted to protect public and private properties, businesses, and individuals from theft, vandalism, fire and any other harmful activities, all of which can put you in dangerous situations. Asides from protecting others, you need to protect yourself too, which is why having the right insurance policy in place is so vital, as this covers the cost of any accidents or injuries which may occur. This includes damage to property or any injury sustained to yourself or a member of the public. By having security guard insurance, you can do your job safely and confidently.  You should take out a policy before starting any jobs in order to guarantee immediate coverage.

How our security guard insurance works

1 Apply Online

Complete the online quote form on our business insurance website – Brisco Business Insurance

2 Compare Quotes

Get instant quotes from our panel of insurers and choose the one that’s right for you

3 You’re insured!

Instantly activate your Brisco Business Insurance policy and view your certificates online

Security Guard Insurance: Frequently Asked Questions

Do security guards need insurance?

Insurance is a must if you are a security guard, as the risks that come with the job shouldn’t be ignored. Without insurance, you risk your own safety and ultimately the livelihood of your business in the event of a claim.

How much is security guard insurance?

The annual cost of your security guard insurance depends on what kind of security industry you work in and the level of risk involved. Having the relevant insurance can cover any extra costs, such as legal fees and compensation. In the long run, having the right policy is more cost-effective than the risk of not having any insurance and dealing with a client making a claim against you.

Can security guards work independently?

Security guards can register as self-employed and don’t necessarily need to work for someone else. But if this is the case, you will need security guard insurance to protect yourself and others, and ensure you’re covered against accidents or harmful incidents which may happen during the workplace.

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Security Guard Insurance | Tradesman Saver

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Affordable security guard insurance with public liability cover included. Quality coverage for businesses and tradesmen.

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Painter & Decorator Public Liability Insurance | Tradesman Saver

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Painter & Decorator Public Liability Insurance | Tradesman Saver

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Here at Tradesman Saver, we know that finding the right insurance for your business can be tricky. With so many covers on offer, it can easily turn into being a bit of a headache. That’s why we’ve simplified our process. Our insurance policy is specifically tailored to the needs of your trade – all you have to do is choose the covers that are right for you with the help of our online quote form. Contact us for more details, 0800 1218748.

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Get A Quote

Painters & Decorators Insurance

Public liability insurance for a painter & decorator for less than £59* per year

Not on comparison sites — save money by coming direct to us
Quick Online Quote

Save £££ on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 35 years

Providing insurance to businesses since 1984

Financial Strength

Insurance provided by a Standard & Poor’s ‘A+ Stable’ rated insurer

What is painters & decorators insurance?

Painting and decorating isn’t just a job to you – it’s your livelihood. Regardless of whether you’re working solo, or own your own painting and decorating business, you need insurance that speaks to the risks involved in your trade. A generic business policy just isn’t the right fit for your business.

Why do you need painters & decorators insurance?

Here at Tradesman Saver, we know that finding the right insurance for your business can be tricky. With so many covers on offer, it can easily turn into being a bit of a headache. That’s why we’ve simplified our process. Our insurance policy is specifically tailored to the needs of your trade – all you have to do is choose the covers that are right for you with the help of our online quote form. That’s insurance, made simple.

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Never settle for less. Find superior van insurance today. Complete our quote form and we will search insurers to give you the cheapest quote based on the information provided.

How our painters & decorators insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Tradesman Saver’s Public Liability Cover For Painters & Decorators

Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your painters & decorators business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a painters & decorators business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as a painter & decorator and you can get your quote online in minutes.

Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as at 31/03/2022

Why Painters & Decorators Need Insurance

Every painter & decorator need insurance to protect them in the event of disaster.  You may think it won’t happen to you but if it does, our expert insurance will help you in your hour of need.  Below are two very good examples of where our insurance can save you:

Spillages

You’re on a job decorating a client’s living room. But as you’re painting, you accidentally knock a can of paint over and it spills on the floor, ruining your client’s bespoke carpet. They decide to seek compensation from you for the damage. This is where you’ll be glad of your public liability insurance – your insurer will cover the costs of the damage, so you can get back to doing what you do best.

Fire Strikes!

You’re on a job on a construction site, decorating a new apartment block. Unfortunately, the electrician on site has made an error in the wiring and the apartment block catches fire, ruining your work. This is where your contractor’s all risks insurance can come in useful – it’ll pay to have the work repaired or re-done, so you don’t end up footing the bill from your own pocket.

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Low-Cost Painter & Decorator Insurance You Can Trust | TS® UK

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Painter and decorator insurance that covers everything you need. Save on costs with A+ Rated insurance you can trust.

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For Car Valeters Insurance Service From Tradesman Saver

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For Car Valeters Insurance Service From Tradesman Saver

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There are many insurance options which would benefit a car valeting business, and public liability is one of the most significant of all. This protects you if your work ends up damaging a client’s property, or injures a client or member of the public. Contact us for more details, 0800 1218748.

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Get A Quote

Public liability insurance for Car Valeters, for less than £59* per year

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Public Liability Cover For Car Valeters
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit a car valeting business, and public liability is one of the m ost significant of all. This protects you if your work ends up damaging a client's property, or injures a client or member of the public. For example, you may need to pay compensation if somebody trips over your tools and injures themselves. Claims like this can cost a small fortune, but having public liability cover means you won't be responsible for any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a valeters business include employer's liability, which is a legal requirement for anybody who employs staff, and will cover you if employees make any claims against you. Another useful optional policy is tools & equipment insurance, which provides financial protection should your equipment get stolen or become damaged. Here at Tradesman Saver we have all the coverage you may need as a car valeter - get an online quote today in just minutes, your purchase will provide instant cover.

Get a Quote Learn about Public Liability

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our car valeters insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is car valeters insurance?

Working as a car valet, accidents can happen when you least expect them. All it takes is one mishap to leave your business financially fragile and, unless you have the proper car valeters insurance in place to protect you, you'll end up paying any compensation out of your own pocket. Don't be fooled into thinking a generic business insurance policy will cut i t though. As a valet, your needs are different from those in other trades, which means you more than anyone need tailored valet insurance built around what you do, designed with your business in mind.

Why do you need car valeters insurance?

As a car valet, your customers trust you with one of their most prized possessions, so will want to be sure it's in safe hands. Unfortunately, although running a car valeting business isn't the most hazardous occupation in the world, things can still go wrong. You could accidentally break a client's laptop while cleaning their vehicle, or an employee of yours might hurt themselves on the job and sue you for negligence. Both scenarios can bring about large compensation claims that lead to significant financial strain.

Here at Tradesman Saver, we're here to help. We've worked with many businesses like yours over the years and, with their help, we've designed an insurance policy specifically to meet the needs of your trade, ensuring you'll never have to foot the bill for any work-related accidents. Just click on our online quote form, tailor a policy to suit your specific needs, and get the valet insurance you need. It couldn't be simpler.
Please note, your car valeter's insurance will not cover you for any damage sustained to a client's vehicle. Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Car Valeters Insurance Related Articles

Car Valeting Insurance: Frequently Asked Questions

What does car valeters insurance cover

Tradesman Saver's valeting insurance includes public liability, financial loss, legal expenses, products liability, and accidental death as standard. Some of our optional covers may be useful to you too. Our personal accident and income protection covers ensure you don't become destitute should you ever be unable to work, while employer's liability insurance is a legal requirement if you hire workers. This protects you should employees-or even subcontractors-make claims against you.

What is a common car valet insurance claim?

Say you're cleaning a client's car, giving it the full works treatment, but accidentally drop their laptop and break it, causing your client to claim compensation for damage to their property. This is where your public liability insurance comes in handy-it'll cover the costs of this claim, letting you carry on doing what you do best with no worries.

Another scenario where your car valeting insurance may be useful is if an employee suffers severe chemical burns while cleaning a car without wearing the correct safety gloves. If this member of staff decides to seek compensation from you for their injury, they could claim negligence against you for not providing the necessary equipment. Employer's liability insurance is your greatest ally in this situation, as it will cover the costs of the claim on your behalf.

How much is valeting insurance?

Our car valeting insurance packages start from £59 per year, although this is dependent on various factors, including the exact type of work you do, how many workers you employ, and the length of your contracts. Opting for optional covers will also add to the overall cost.

What information do I need to provide for car valeters insurance?

To obtain car valeter's insurance with Tradesman Saver, you'll need to give us information like your name, address, and nature of your business. In addition, we also need to know how big your company is, including number of employees and your annual turnover.

Keeping You Safe From Whatever Life Throws Your Way

Running a car valeting business doesn't seem like it would be the most dangerous occupation, but even the lowest risk careers can cause accidents that can run your business in for a big compensation claim. No matter how careful you are, sometimes this just go wrong - and when they do, you want to know you're protected. Here are just a few situations where your insurance could really save you in a crisis:

An unfortunate breakage

You're cleaning a client's car, giving it the full works treatment. But, unfortunately, as you're clearing out the back seat to give the car a thorough hoovering, you accidentally drop your client's laptop and it breaks. Your client then claims compensation for the damage to their property. This is where your public liability insurance comes in useful - it'll cover the costs of the damage to their property, so you can carry on doing what you do best.

A chemical accident

You're working with one of your employees, cleaning a client's car. But as your employee is applying the cleaning chemicals to the outside of the car, they suffer severe chemical burns, due to not having the correct safety gloves to keep their hands protected. They decide to seek compensation from you for their injury. Employer's liability insurance is your greatest ally in this situation - through it, your insurer will cover the costs of the claim for you, so you can continue to focus on running your business.

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Car Valeting Insurance | Saving Businesses For 35 Years

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Get A Quote Public liability insurance for Car Valeters, for less than £59* per year Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) There are many insurance options which would benefit a car valeting business, and public liability is one of the m ost significant of all.

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Builders Public Liability Insurance From Tradesman Saver

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Builders Public Liability Insurance From Tradesman Saver

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The elite builder’s insurance packages from Tradesman Saver contain everything you could possibly need, including covers such as public liability insurance, products liability insurance and employer’s liability insurance. This ensures that, no matter what happens, your business is protected from any accidents which occur on or offsite. Contact us for more details, 0800 1218748.

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Get A Quote

Insurance for builders, starting less than £59* per year

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Builders Liability Insurance Cover
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Whether you're a hod carrier, house builder or something else, builders liability insurance helps builders like yourself protect your finances when unexpected incidents like injuries and theft could otherwise prove costly.

The elite builders insurance packages from Tradesman Saver contain everything you could possibly need, including covers such as public liability insurance , products liability insurance and employer's liability insurance . This ensures that, no matter what happens, your business is protected from any accidents which occur on or offsite.

Why do you need builders insurance?

On top of balancing invoices, ordering supplies and managing your accounts, you sometimes have to contend with the unfortunate reality of an accident affecting you or your staff while on the job. Applying for a tailored builders liability insurance policy can make your life a great deal easier, not to mention safer. It gives you peace of mind and the confidence to go ahead with work without worrying about compensation claims biting you. Customers are also much more likely to hire a business that's insured because it shows that the owner takes their work seriously and can be trusted.

Here at Tradesman Saver, we keep the cost of our builders insurance low because safety shouldn't break the bank. To build a unique builders insurance package to suit your needs, fill out our online form for

insurance that works as hard as you do.
Get a Quote Learn about Public Liability

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our builders insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for builders

When you're looking to purchase builders insurance, you'll hear lots of different terms thrown around. But arguably the most important of these is 'public liability cover'. This is the foundation of any insurance policy, covering injury to third parties and damage to their property. As such, it protects you from claims made against you by your clients or members of the public. This could cover situations including:

Accidentally damaging your client's vehicle by splashing render on it during a job

A client tripping over a cable from one of the power tools you're using

Damage to a client's neighbour's fence while building an extension

Injury to members of the public who have tripped over an uncovered trench

Why do you need public liability insurance for builders?

Working as a builder is tough. When you spend all day building other people's dreams, it's easy to forget about your own, like running a safe and secure business. But this is definitely not worth putting on the back burner, and it's imperative to choose a comprehensive builders public liability insurance policy. This will help you realise this dream by protecting your business' financial future from any potential accidents.
Get a Quote

How much does builder's insurance cost?

The cost of your builders insurance will depend on a number of different factors, including the kind of properties you work on, how long you have been trading and whether you have any employees. The type of cover you select can also affect the price of your insurance.

Our Tradesman Saver policy for builders includes lots of extra covers as standard, including legal expenses , financial loss and accidental death cover. This gives you some of the widest coverage available at a price that you'll find hard to beat elsewhere.

Builder's insurance quote examples

£58.76 / year A builder working on domestic and small commercial properties less than 10 metres in height, including new builds, alterations and repairs

Sole trader

No employees

5 years experience

Based in London

No claims

£85.50 / month £971.56 / year A builder working on commercial and domestic properties including new builds, alterations and repairs

Limited Company

3 Employees

5 years experience

Based in Liverpool

No claims

The above quote examples were taken from our online system on 26/05/21. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

What is the excess under a builder's insurance policy?

Most insurance policies will be subject to an excess. This is the amount you will be expected to pay in the event of a claim. Detailed below are the standard excesses under a Tradesman Saver policy but you should check your own quotation to see exactly what excesses apply to your policy as these may vary dependent upon the type of work you do.

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Instant Cover

No need to wait for your documents. You're covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Builders Insurance Related Articles

Builders Insurance: Frequently Asked Questions

What does builders insurance cover?

Builders liability insurance isn't one single thing. Instead, our cover incorporates a number of key insurance policies. At Tradesman Saver, we include products and public liability, financial loss, accidental death, and legal expenses cover as standard in all of our builders insurance policies. As well as employer's liability, we also provide optional cover for:

How long does business insurance last?

Most builders liability insurance policies are taken out on a twelve month basis, and can be renewed annually. Customers will be able to make a claim for damages or injuries at any point, as long as they can prove that their policy was valid at the time of the incident in question.

What types of builders do you insure?

From hod carriers and house builders, to commercial builders and contractors, we insure all kinds of builders here at Tradesman Saver. So, regardless of your exact profession, you're sure to get the cover you need as a builder.

What information do I need to provide to apply for builders insurance?

You will need to provide basic information such as your name, address and what kind of work you do. Insurers will also want to know the size of your operation, which involves supplying details of your annual turnover and how many people you have working for you. It's always worth having details of previous claims to hand too, as insurers may ask for these.

How do I claim on my builders insurance policy?

In order to make a claim on your builders' insurance policy, you'll need to contact your insurer as soon as possible to request a claim form. Be sure to check you're eligible to make a claim by finding the dates covered by your policy, making sure you're covered for what you're claiming and confirm how much the excess is. Once you've filled in the form and sent it off, the insurer will decide if your claim is valid or not before settling it.

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OUR COOKIE POLICY

We use cookies to give you the best possible experience of our website. If you continue, we'll assume you're happy for your web browser to receive all cookies from our website. See our cookie policy for more information on cookies and how to manage them.

Close

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Get A Quote Insurance for builders, starting less than £59* per year Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) Whether you're a hod carrier, house builder or something else, builders liability insurance helps builders like yourself protect your finances when unexpected incidents like injuries and theft could otherwise prove costly.

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Plumbers' Public liability insurance Cover From Tradesman Saver

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Plumbers' Public liability insurance Cover From Tradesman Saver

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Insurance for plumbers, bathroom installers and heating contractors at hard to beat rates.

Public liability insurance protects your business if customers, suppliers, or members of the public suffer property damage or personal injury as a result of your business’s activities. Contact us for more details, 0800 1218748.

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Get A Quote

Insurance for plumbers, bathroom installers and heating contractors at hard to beat rates.

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Plumbers Liability Insurance Cover
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

What is plumbers insurance?

Plumbers liability insurance allows businesses to protect their finances in the event of unexpected damage or injury caused by work activities. Our Tradesman Saver insurance package not only includes public liability cover to protect against injuries or property damage caused to third parties, but products liability too. Consequently, if a service you've supplied, fitted or sold causes harm, your business is safeguarded. We also offer employee's liability insurance , as well as covers like financial loss and tools and equipment cover. No matter what incidents happen while you're working, your livelihood is protected at all costs.

Why do you need plumbers business insurance?

The plumbing profession isn't risk-free. All it takes is an ill-fitted pipe or tap to cause severe water damage to a client's property. The equipment you use daily also poses danger, like hearing loss from noisy tools, or particles and chemicals causing damage to you or your customers' eyes. You can do your best to ensure your operations are safe, but sometimes accidents happen. As such, a plumbers liability insurance policy helps to protect your business should an incident lead to repair costs or legal fees.

At Tradesman Saver, it doesn't matter whether you're a bathroom installer specialising in new home installations or you provide maintenance to domestic, commercial or industrial buildings, we keep the cost of our policies low to give every business the cover it deserves.
Get a Quote Learn about Public Liability

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our plumbers insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for plumbers

When shopping around for the right plumbers insurance for your business, there's a lot to consider. But the most important aspect is public liability insurance. This is the foundation of any policy, covering injury to third parties or damage to their property and protecting you should a client or member of the public make a claim against you. This covers situations including:

Water damage to a property caused by a leak

A client falling over equipment you've left in their home

Bodily harm or property damage as a result of a product you've fitted

Why do you need plumbers insurance?
Get a Quote
Working as a plumber requires expert knowledge of various plumbing systems, and the know-how to remove and install equipment. However, while keeping your clients safe is a top priority, what about your business? Health and safety is just as important for you as it is for your clients. As such, a comprehensive plumbers insurance policy will ensure every eventuality is covered.

How much does plumber's insurance cost?

The cost of your plumbers insurance depends on numerous factors, including the amount of cover you need, the type of business and risks associated, and even your location. Other elements like the number of employees you hire and how long you've been a plumber may influence the price too.

Our Tradesman Saver policy for plumbers includes many additional covers at no extra cost! These covers include legal expenses , financial loss and accidental death cover. Many other insurance provider charge you extra for things like legal expenses insurance but with Tradesman Saver we include this valuable cover for FREE.

Plumber's insurance quote examples

£21.84 / month £248.04 / year A gas safe plumbing and heating engineer working on domestic, retail and small commercial properties

Sole Trader

No employees

5 years experience

Based in Manchester

No claims

£78.40 / month £890.92 / year A plumbing, heating and air conditioning contractor working on domestic, retail and small commercial properties

Limited Company

2 Employees

5 years experience

Based in London

No claims

The above quote examples were taken from our online system on 12/11/21. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

What is the excess under a plumber's insurance policy?

Most insurance policies will be subject to an excess. This is the amount you will be expected to pay in the event of a claim. Detailed below are the standard excesses under a Tradesman Saver policy but you should check your own quotation to see exactly what excesses apply to your policy as these may vary dependent upon the type of work you do.

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Plumbers Insurance Related Articles

Plumbers Insurance: Frequently Asked Questions

What does plumbers insurance cover?

Our Tradesman Saver package is ideal for your plumbing business, covering more than just the basics, as you also benefit from financial loss , legal expenses , accidental death and personal accident insurance as standard. This offers you an all-rounder package available at an affordable price you'll struggle to find elsewhere. While our optional covers include things like:

Employers liability insurance

Short term income protection

Business contents

Get in touch with us to discuss the insurance policy your company needs.

How long does plumbers insurance last?

Generally, our packages at Tradesman Saver are taken out on a twelve month basis. This can be paid annually or in monthly installments, and is eligible for yearly renewal. Claims for damages or injury can be made at any point as long as you provide proof of policy at that given time.

Is plumbers insurance necessary?

As with any profession involving tradesmen, plumbers do essential work, which, if done incorrectly, could lead to serious damage or injury to the customer, property and even the worker themselves. Should an accident occur due to your activities, your business will be held financially responsible, and failing to have an insurance policy could put your whole business on the line. Plumbers liability insurance provides financial security ensuring your company is protected if a costly claim is made against you.

How do I make a claim on my plumbers insurance policy?

In order to make a claim on your plumbers insurance policy, you need to get in touch with your provider as soon as possible. When completing your form, ensure you're within the time limits of your policy and that it covers the type of claim involved. It's also a good idea to find out what the excess is so you're aware of what the insurer will deduct from the claim.

A Few Plumbers Trades We Cover

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We use cookies to give you the best possible experience of our website. If you continue, we'll assume you're happy for your web browser to receive all cookies from our website. See our cookie policy for more information on cookies and how to manage them.

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Plumbers Liability Insurance Cover | TS® UK

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Get A Quote Insurance for plumbers, bathroom installers and heating contractors at hard to beat rates.

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Cheap Landscape Gardeners Insurance In UK | Tradesman Saver

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Cheap Landscape Gardeners Insurance In UK | Tradesman Saver

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At Tradesman Saver, we’ve worked hard to grow and learn too. We’ve worked with businesses like yours, and through their help, we’ve built an insurance policy specific to the needs of your trade. Tailor your policy with our online quote form, and let us root you while you continue to grow.

Contact us for more details, 0800 1218748.

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Get A Quote

Public liability insurance for a gardener for less than £59* per year

Not on comparison sites - save money by coming direct to us

Quick Online Quote

What is gardeners insurance?

Growing your gardening business hasn't been easy - you've had your fair share of hiccups along the way. Whether you're a solo gardener or own a gardening company, you've had to spend a long time tending to your seeds to grow it into what it is today, and that's protecting it is so important.

Why do you need gardeners insurance?

At Tradesman Saver, we've worked hard to grow and learn too. We've worked with businesses like yours, and through their help, we've built an insurance policy specific to the needs of your trade. Tailor your policy with our online quote form, and let us root you while you continue to grow.
Get a Quote

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our gardeners insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Tradesman Saver's Public Liability Cover For Gardeners
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your gardeners business, and public liability is one of the most significant. This protects you if your work ends up damaging a client's property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer's carpet with your muddy work boots.

Claims such as this can cost a small fortune but having public liability cover means you won't be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a gardeners business include employer's liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a gardener and you can get your quote online in minutes.
Get a Quote Learn about Public Liability

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Landscape Gardener

We also cover landscape gardeners and landscape gardening businesses under our gardener insurance policy. Simply select the trade that suits you best on our online quote form when you go to get your quote.

Gardener's Public Liability Insurance

It Shouldn't Happen To A Gardener

Here are some examples of claims:

Example 1

You're working on a garden and your employee is cutting the hedges on a ladder. The ladder is faulty and breaks while your employee is stood on it and they are injured in the fall. Your employee then decides to make a compensation claim against you. This is a situation where your employer's liability insurance could save you from a massive pay out - with this cover, your insurer would cover the costs of the compensation, saving you from paying it out of your own pocket.

Example 2

You're mowing a client's lawn. As you're mowing, a stone chips up from the mower and cracks your client's window. They make a claim against you for the costs of repair. Fortunately, your public liability insurance is there to save the day - your insurer pays out the cost of fixing the window, leaving you free to continue focusing on your business.

Gardeners Insurance Related Articles

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Cheap Gardener Insurance You Can Trust | TS® UK

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Get A Quote Public liability insurance for a gardener for less than £59* per year Not on comparison sites - save money by coming direct to us Quick Online Quote What is gardeners insurance? Growing your gardening business hasn't been easy - you've had your fair share of hiccups along the way.

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Low – Cost Electrician Insurance Cover From Tradesman Saver

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Low – Cost Electrician Insurance Cover From Tradesman Saver

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There are many insurance options which would benefit your electrician business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. Contact us for more details, 0800 1218748.

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Get A Quote

Electrician Insurance

Public liability & professional indemnity insurance for an electrician for less than £61* per year

Not on comparison sites — save money by coming direct to us
Quick Online Quote

Save £££ on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 35 years

Providing insurance to businesses since 1984

Financial Strength

Insurance provided by a Standard & Poor’s ‘A+ Stable’ rated insurer

Tradesman Saver’s Public Liability Cover For Electricians

Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your electrician business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for an electrician business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as an electrician and you can get your quote online in minutes.

Get a Quote Learn about Public Liability

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How our electrician insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is electrician insurance?

As an electrician, your job can be pretty dangerous. Whether you work in the resident or industrial sector, when you work with electricity for a living, sometimes you’ll find yourself in for a shock. Your insurance needs to reflect the risks you face on a daily basis – a generic policy just won’t cut it.

It’s not just the work involved in being an electrician that can be a bit of a live-wire – even trying to find the right insurance to suit you can be an exhausting task in itself. You get bombarded by so many different insurance terms, that in the end, you can often end up more confused than when you started. However, it really isn’t that complicated – the only cover you really need to know about is public liability insurance.

Why do you need electrician insurance?

Think of public liability insurance like the backbone of your electrician’s insurance policy – it provides protection from claims that arise from injury to a third party or damage to their property, including claims brought forward by either your clients or members of the public.

Here at Tradesman Saver, we believe that every business is unique and should be treated as such. We’ve put together our most important covers, relevant to your trade, in one policy, allowing you to build the cover you need from scratch with our online quote form. It’s insurance made simple.

Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as at 31/03/2022

Industrial Electrician

As well as residential and commercial electricians, we also offer cover for industrial electricians too – just select the relevant trade that applies to you on our online quote form.

Don’t Let Yourself Be Shocked By An Accident

Trade jobs are, at their core, usually pretty risky anyway. But when you work with electricity and potentially live wires, for a living, you know that risk can be increased tenfold, which is why it’s so important to make sure you have all the cover you need in place to keep you safe. Here are but a couple of situations where having insurance could keep you safe, and save you from getting a nasty shock:

A real live wire

You’ve been working on a job at a client’s house, re-wiring the place. You install a switch in their property, but later find out that the client has been electrocuted – which turns out to be from a faulty switch you installed. This is where your products liability insurance could really help to save the day – through it, your insurer will settle the claim with the injured party, and then chase the manufacturer of the switch to reclaim these losses on your behalf, so the wrong person doesn’t get blamed for something that wasn’t their fault.

The trouble with cables

You’re on a job, re-wiring a property for your client. But, unfortunately, as you’re hard at work, your client accidentally trips over some cables you’ve left out and badly injures themselves. They claim compensation against you for their injury. But, don’t fret – this is the sort of tough situation where your public liability really comes in handy. With it, your insurer will pay the costs of the compensation claim, which means you can spend a little less time worrying about what’s to come, and more time focusing on the future.

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Low-Cost Electricians Insurance You Can Trust | TS® UK

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Our electricians’ insurance protects you against the costs of damage, injury or mistakes at work. Get a free quote today.

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Cheap Carpenters & Joiners Insurance From Tradesman Saver

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Cheap Carpenters & Joiners Insurance From Tradesman Saver

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As a carpenter or joiner, you know that your business comes with its own set of risks. Any trade that works with power tools for a living can be particularly dangerous, but since you sometimes have to work in a client’s property, that can bring a whole new set of risks to the table.

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Cheap Carpenter & Joiner Insurance You Can trust | TS® UK

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Carpenters and joiners insurance that will keep your business stable. Save on costs with A+ Rated insurance you can trust.

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Contract Works Insurance In UK | Tradesman Saver

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Contract Works Insurance In UK | Tradesman Saver

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Contract works insurance UK, sometimes called contractor’s all risks insurance policy, is a vital type of insurance for people who are operating in the construction sector. It covers a range of different types of property on the construction site against damage or losses due to theft or vandalism.

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Contract works insurance UK, sometimes called contractor's all risks insurance policy, is a vital type of insurance for people who are operating in the construction sector. It covers a range of different types of property on the construction site against damage or losses due to theft or vandalism.

The property covered by a contract works insurance policy includes:

The work in progress

The building materials being used in the project

Your plant, machinery, tools and equipment

Any temporary buildings

Any hired-in property

Often contract works insurance will be part of a tradesman's insurance package, although it can sometimes be bought as a standalone insurance product. It's usually bought on an annual basis to cover all of the projects that a contractor will be working on throughout the year. However, it can also be bought on a project-specific basis to cover a single project.

As well as needing contract works insurance to protect yourself against unexpected losses, sometimes you'll be required to have contract works insurance because it will be a condition in the project's contract that you have this type of insurance.

Work in progress

Contract works insurance covers the work in progress up to the handover point when you cease to be responsible. It should be noted that if you're working on an existing structure, the existing structure is not covered by the contract works insurance policy and should be insured by the owner of that structure.

Building materials

As well as covering the work in progress, contract works insurance also covers any materials on site that are being used in the project.

It's important to check your policy to make sure you comply with any security requirements, particularly if you have large amounts of valuable materials, such as non-ferrous metals or electrical cables, on-site which represent an increased theft risk as they're attractive to thieves.

Plant, machinery, tools & equipment

A contract works insurance policy will cover any construction plant, tools and equipment on site that you're using to undertake the project.

Again, it's worth checking your policy to make sure you comply with any security requirements, although you should make sure that you keep any plant, machinery, tools and equipment on site as secure as possible anyway. It's estimated that the theft of such items accounts for around £800 million of losses each year in the UK.

Hired-in property

As well as covering your own plant, machinery, tools and equipment, contract works insurance also covers any hired-in items. As with your own items, it's important that you comply with any security requirements in the insurance policy.

Continuing hire charges that you're liable to pay following any loss or damage are also covered.

Temporary buildings

If you have any temporary buildings on site, such as site huts or portable toilets, your contract works insurance will cover these. Any fixtures and fittings in these temporary buildings will also be covered.

Policy limits

Unlike a conventional property insurance policy, a contract works policy does not have sums insured because the value of the property on each construction site varies. Instead of calculating the premium based on the value of the property to be insured, the insurers base the premium on your annual turnover and the type of work that you are doing.

However, although there aren't sums insured, there are policy limits. These define the maximum amount that the insurer will pay in the event of a claim.

Although the standard limits are usually adequate for most businesses, it's important to check the limits to make sure that they are not too restrictive. The limits can usually be increased for an additional premium if they need to be.

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What does Contract Works Insurance Cover?

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Contract works insurance, sometimes called contractor's all risks insurance, is a vital type of insurance for people who are operating in the construction sector. It covers a range of different types of property on the construction site against damage or losses due to theft or vandalism.

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Low - Cost Photographers Insurance Cover From Tradesman Saver

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Low - Cost Photographers Insurance Cover From Tradesman Saver

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Taking out photography insurance with Tradesman Saver gives you access to five separate policies in one automatic cover package, including legal expenses and financial loss.

Contact us for more details, 0800 1218748.

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Get A Quote

Keep your photographers business safe from third party claims with our photography insurance package

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Public Liability Cover For Photographers
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Taking out photography insurance with Tradesman Saver gives you access to five separate policies in one automatic cover package, including legal expenses and financial loss . Photographers public liability insurance is potentially the most crucial of them, offering you financial cover in the event that your equipment causes harm or damage to a third party, or third party property. Without this protection in place, you could be forced to pay a huge amount in compensation but, even if your camera, lights or tripod is to blame, our public liability insurance can prevent you from being out of pocket.

Our additional cover can be bought as extras for your primary policy, giving you a tailor-made plan to suit your needs. Employer's liability insurance , for example, is legally required for all businesses who hire other staff. Possibly the most important insurance policy for any photographer, though, is tools and equipment cover . Since you can't do your job without your camera, this policy will help you finance any replacement gear in the event of damage, theft or loss. Get a free quote below, or contact us to put together your picture perfect photography insurance policy today.
Get a Quote Learn about Public Liability

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our photographers insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is photographers insurance?

Owning a photography business can be extremely difficult. Regardless of whether you work solo, or employ a team of photographers, having comprehensive photography business insurance in place can provide essential cover against any injury or damage claims which have been caused by your equipment or staff. With a range of stresses and risks facing your business on a daily basis, but a photography insurance policy from Tradesman Saver can give you the peace of mind you need.

Why do you need photographers insurance?

Working as a photographer is an enviable job, getting to capture some of the happiest moments of people's lives on film forever. But we all know that accidents can happen in a flash. Whether a wedding guest trips over your tripod as you take a shot of the bride and groom cutting the cake, or your car is broken into overnight while your camera bag was in the backseat, a photography insurance policy can help you be sure that you won't be left out of pocket. Tradesman Saver can give you cover that matches your specific needs, and between our automatic cover and optional policies, you'll have all the protection you need.
Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

It Shouldn't Happen To A Photographer

Here are some examples of claims:

Example 1

You're taking photos at a wedding and have your tripod out to take a bridal group shot. You place it to one side after you're done, to take photos free-hand, but unfortunately one of the guests trips over your tripod, injuring themselves. They sue you for compensation. Fortunately, your public liability insurance can really help here - it will cover the costs of the compensation and legal costs for you, so you don't get left out of pocket.

Example 2

You're hired to be the photographer at an event. You nip to the toilet and leave your camera in your equipment bag, but when you return, you find your camera is missing. Your tools & equipment insurance is your saving grace in this situation - your insurer will pay out the cost of replacing your equipment, so your business doesn't have to suffer because someone else has sticky fingers.

Photography Insurance: Frequently Asked Questions

Can I buy camera equipment insurance only?

Unfortunately not. Camera insurance would fall under our wider tools and equipment insurance cover, which is one of our additional covers. However, by taking out comprehensive photographers insurance cover with Tradesman Saver, you can have full financial protection against any accidents caused as a result of your work.

Is my photography equipment covered abroad?

Our insurance for your equipment provides cover anywhere in the UK, although our policies provide worldwide public liability cover for temporary (up to 14 days) trips abroad (excluding the USA/Canada).

Am I covered if I leave my camera alone while working?

Yes, our policy provides cover for your equipment anywhere in the UK on an all risks basis. The only thing to be aware of is that there is an increased excess of £250 for any losses from an unattended vehicle.

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We use cookies to give you the best possible experience of our website. If you continue, we'll assume you're happy for your web browser to receive all cookies from our website. See our cookie policy for more information on cookies and how to manage them.

Close

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Low-Cost Photography Insurance You Can Trust | TS® UK

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Get A Quote Keep your photographers business safe from third party claims with our photography insurance package Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) Taking out photography insurance with Tradesman Saver gives you access to five separate policies in one automatic cover package, including legal expenses and financial loss .

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For Professional Indemnity Insurance In UK Contact Tradesman Saver

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For Professional Indemnity Insurance In UK Contact Tradesman Saver

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Tradesman Saver's Professional Indemnity Is Available With Tradesman Insurance. Our standard cover is: Up to £1 million cover for professional indemnity.

Like all our policies, taking out professional indemnity insurance with Tradesman Saver gives you and your business instant financial protection and access to a 24-hour helpline, providing all the legal advice you need.

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Cheap Professional Indemnity Insurance You Can Trust | TS® UK

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Professional indemnity insurance designed to suit any industry. Save on costs with A+ Rated insurance you can trust.

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Low - Cost Plant Insurance Cover From Tradesman Saver

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Low - Cost Plant Insurance Cover From Tradesman Saver

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Plant insurance from Tradesman Saver begins from the second you purchase your insurance from us. Cover is available for up to £75,000 of own plant and up to £50,000 of hired-in plant. If you need cover beyond this, simply get in touch with us and we can arrange to increase this further.

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Get A Quote

Covering everything from tools to construction plant - hired in or owned

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Plant Insurance
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Plant insurance from Tradesman Saver begins from the second you purchase your insurance from us. Cover is available for up to £75,000 of own plant and up to £50,000 of hired-in plant. If you need cover beyond this, simply get in touch with us and we can arrange to increase this further.

We do not offer this as a single policy, but short term plant insurance is available as an additional extra for anyone who wishes to take out builders insurance with us. This standard policy provides your business and employees with public liability insurance , offering protection against any injury claims to a customer or member of the public.

It also includes products liability , which secures you if your products or services injure a third party. Our policy also covers financial losses and legal expenses of up to £250,000, as well as accidental death , offering a lump sum in the event of a fatality befalling you or a member of your team. Our plant insurance can be purchased as an add-on, alongside other optional insurance covers such as contractors' all risk, professional indemnity, and wider tools & equipment insurance.
Please note that plant insurance is an optional cover that you can add to your policy alongside cover for your contract works. Get a Quote

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our plant insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is plant insurance?

Unlike most other tradesmen, construction workers need some serious machinery to help them get the job done. From diggers to concrete mixers, forklifts to cranes, contractors won't always own the gear they use. Plant insurance provides critical financial protection against any damage or loss that may befall your equipment either way. Included as an optional extension under some of our public liability policies, our short-term plant hire insurance is ideal for those working on a construction site, providing cover for everything from fire to vandalism and theft.

Why do you need hired-in plant insurance?

Plant worth £70 million is being stolen in the UK each year, and it's estimated that when the associated costs of the thefts, including the disruption to construction projects and increased insurance premiums are taken into account, construction plant theft is costing the UK construction sector £800 million per year.

If you're working as a building contractor or a tradesman, then you'll no doubt spend a lot of time on a client's site with either your own machinery or plant you've hired in for the job. And if it is hired, the hirer will almost always insist the item of plant has insurance cover on it via a hired-in plant insurance policy, because it'll be up to you to replace or repair any plant machinery that gets lost, broken, or stolen. Tradesman Saver can cover these costs through owned or hired in plant insurance, which covers rented or bought equipment respectively, making it a necessity for tradesmen.
Unlike public liability, plant insurance is not an automatic cover, but it can be added to any standard Tradesman Saver policy if you need it. Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Plant Insurance: What's Included In Your Cover?

To ensure you get the best possible cover for the lowest price, we include plant insurance under our contract works optional cover. It includes:

Contract works cover from £50,000 to £500,000

All risks cover

Construction plant, tools and equipment from £5,000 to £75,000

Off-site storage

Temporary buildings from £5,000 to £25,000

Hired in plant up to £50,000 for any one item

Hired in plant annual fees from £2,500 to £50,000

Immobilised plant

Plant cover includes JCBs & diggers

Low-cost monthly instalments available

Covered while in transit

Continuing hiring charges

Get a Quote

Plant Insurance Related Articles

Plant Insurance: Frequently Asked Questions

Why do you not offer plant insurance in isolation?

Most insurers are unable to offer plant insurance on its own due to the high level of claims that arise from this type of cover. It's often included as part of a comprehensive public liability insurance package.

What do I do if my construction plant is stolen?

If your construction plant is stolen, report it to the police and ask for a crime reference number. Once you have done this, contact our claims department. We will often give authorisation for you to replace the plant while we deal with your insurance claim, enabling you to get back to work quickly.

Hired-in plant insurance covers any hired-in plant against theft losses, although you should always check your policy to see whether there are any policy conditions that require certain minimum levels of security when the plant is on site. More expensive items of plant may need to be fitted with tracking devices, for instance.

Does plant insurance cover continuing hiring charges?

If any hired-in plant is damaged or stolen, you'll usually be liable to continue paying the hire charges for the item in question, even if it is no longer available for use.

These continuing hire charges are covered by a hired-in plant insurance policy. However, the maximum we'll pay is the equivalent to 90 days' worth of hiring charges.

Does plant insurance cover items of plant in transit?

As well as being at risk of loss or damage when it is on site, construction plant is at risk when it is in transit. Hired-in plant insurance covers the plant whether it is in transit or on site.

Is a plant hirer's waiver better than your own plan insurance?

Some hirers will offer you a waiver and many contractors will rely on that rather than buying their own insurance, but there are two reasons that this is not always the best option.

First, the hirer's waiver may only cover a limited range of risks, and may not cover accidental damage to the plant. Having your own insurance may mean that you have more protection.

Second, it may be cheaper to insure any hired-in plant yourself, particularly if you are hiring plant on a regular basis. An annual policy that covers all of the plant that you hire during the year will usually work out cheaper than buying waivers from the hirer each time you hire anything.

Some Other Trades We Cover

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Close

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Low-Cost Plant Insurance You Can Trust | TS® UK

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Get A Quote Covering everything from tools to construction plant - hired in or owned Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) Plant insurance from Tradesman Saver begins from the second you purchase your insurance from us.

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Employers Are Responsible For The Safety And Wellbeing Of Those That Work For Them

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Employers Are Responsible For The Safety And Wellbeing Of Those That Work For Them

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Business owners are often responsible for the safety and comfort of those they employ, especially when these employees may be exposed to several situations that can lead to injury, loss and even death or accidental death. It also refers to these employees’ dealings with the public or other companies where that applies.

For more about us, please visit https://www.tradesmansaver.co.uk/.

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Employers Are Responsible For The Safety And Wellbeing Of Those That Work For Them

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Businesses Need Insurance To Avoid One Or More Disappointments

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Businesses Need Insurance To Avoid One Or More Disappointments

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There is hardly a business that can honestly say they do not need insurance. This applies to all sectors, also those working in the construction industry. Insurance is important for various reasons, for example, to cover the business and the owner(s) against claims in terms of public liability and related issues.

For more about us, please visit https://www.tradesmansaver.co.uk/.

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Businesses Need Insurance To Avoid One Or More Disappointments

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Scaffolders insurance protects business financially in the event of accidental injury to a client or member of the public, or damage to a property. Working as a scaffolder presents a unique set of risks that makes a bespoke insurance policy exceptionally worthwhile. Our Tradesman Saver package includes public liability, products liability insurance and employer’s liability insurance, and more. This covers your company should a claim be made against you.

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Get A Quote

Contractor insurance for scaffolders with public liability insurance.

Compare quotes from leading insurers in minutes

Compare Quotes Provided by Brisco Business

Tradesman Saver's Scaffolding Liability Insurance Cover

To ensure you receive the best possible cover for the most affordable price, we have everything you may need in your policy, including:

Public & Products Liability up to £5 million

Employers Liability at £10 million

Contractors All Risks Insurance which provides cover for

Contract Works

Owned Plant

Hired-in Plant

Employees' Tools

Essential Legal Expenses at £100,000

Scaffolders insurance protects business financially in the event of accidental injury to a client or member of the public, or damage to a property. Working as a scaffolder presents a unique set of risks that makes a bespoke insurance policy exceptionally worthwhile. Our Tradesman Saver package includes public liability, products liability insurance and employer's liability insurance, and more . This covers your company should a claim be made against you.

Alongside the standard covers provided, there are several optional ones you can add on to safeguard your business further. These include contractors all risk, and tools and equipment cover, for example.

Why do you need scaffolding contractor insurance

Being a scaffolder requires hands-on labour, often carried out at great heights using bulky equipment. It's a profession considered so high-risk that many insurers refuse to provide cover. But all it takes is one accident or for someone to steal your tools, and your business could suffer serious financial damage. Scaffolders contractor liability insurance is essential to protect yourself from such scenarios.

More specifically, accidental damage or injury is likely to result in compensation and legal fees, as well as repair costs. A comprehensive insurance policy means you won't have to fork out for the costs yourself.

Understanding public liability insurance for scaffolders

Arranging a contractor insurance policy isn't an exciting activity, but it's a necessary one as a scaffolder. There's a variety of covers you can include in your policy, but the most important one is public liability. This is the foundation of your insurance, providing cover if someone sustains an injury or their property becomes damaged as a result of your work. The risks of this job are plentiful, and public liability protects you should any of these happen:

Dropping a tool from a great height and damaging someone's property

A member of the public tripping over unattended scaffolding equipment

Accidents caused by poor scaffolding construction

How our scaffolding contractor insurance works

1 Apply Online

Complete the online quote form on our business insurance website - Brisco Business Insurance

2 Compare Quotes

Get instant quotes from our panel of insurers and choose the one that's right for you

3 You're insured!

Instantly activate your Brisco Business Insurance policy and view your certificates online

Scaffolding Contractor Insurance: Frequently Asked Questions

How much is scaffolding contractor insurance?

The price of your scaffolding contractor insurance is dependent on things like the size of your clients, frequency of jobs and how many employees you hire. The amount of cover your business needs and how high up you're working can also determine the final price.

Can you insure scaffolding equipment?

Whether it's your own or it's hired, your scaffolding equipment can be covered with our contractors all risk insurance. We also offer tools and equipment cover. These are optional add-ons to your insurance policy.

Do I need insurance if I am scaffolding subcontractor?

Subcontractors working independently require their own insurance as they aren't considered employees. If you set your own hours and work unsupervised with tools, you need your own scaffolder contractor insurance. However, if you're a labour-only subcontractor working within a company using their tools, you may not. Be sure to check the details of your policy to see what is covered.

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Scaffolding Contractor Insurance | TS® UK

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Get A Quote Contractor insurance for scaffolders with public liability insurance.

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Tools & Equipment Insurance From Tradesman Saver

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Tools & Equipment Insurance From Tradesman Saver

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Tradesman Saver’s tool insurance begins from the moment you purchase your cover from us. Our policies are also in effect around the clock, and around the UK, offering you total protection if you can no longer use your equipment.

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Get A Quote

Up to £10,000 per person, available as an extension under our standard policies

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Tool Insurance
Our standard cover is:

Up to £10,000 tool cover per person

Includes cover for theft from unattended vehicles (higher excess may apply)

Covered on an All Risks basis anywhere in the UK

Tradesman Saver's tool insurance begins from the moment you purchase your cover from us. Our policies are also in effect around the clock, and around the UK, offering you total protection if you can no longer use your equipment.

We cover van tool insurance in our policy, which also covers tools left in an unattended vehicle, although you will pay a slightly higher excess if they are stolen.

Tradesman tool insurance is one of our optional covers, but our complete automatic package also insures accidental death , paying out a lump sum in the event of a sudden, unexpected incident kills you or any of your staff. In addition, our standard policy includes public liability insurance , which covers you against any claims made if your business activities injure a customer or member of the public, and products liability , protecting you if any injuries are caused by one of your products. In addition, you're also covered for financial losses inflicted on a third party, and legal expenses of up to £250,000.

To provide your business with the most comprehensive protection against potentially disastrous circumstances, we offer personal accident insurance on top of our five-part automatic package. This provides coverage against major fractures, burns, the loss of limbs and senses, dislocation, and disability, as well as any hospital stays which last longer than 24 hours. Depending on the severity of your situation, you could be entitled to receive a lump sum of up to £200,000. This, along with many other forms of cover, can be tailored to your needs as part of a wider public liability insurance policy.
Please note that tools insurance cover is an optional cover that you can add to your policy alongside your public liability. Get a Quote

What's included with our Automatic Cover

Learn more about our Additional Cover Options

What is equipment and tool insurance?

Tradesman Saver's tools & equipment insurance cover offers financial protection against theft and damage, so if the worst should happen, you won't find yourself out of pocket paying for replacements. We have varying levels of cover to accommodate big and small businesses, which means you can focus on keeping things running smoothly, while we take care of any bumps along the way.

It is important that you cover the full value of your tools or else you will be under-insured.

Why do you need tool insurance cover?

When you're running a business, the most important things you need to work are your tools. If any vital equipment is stolen, damaged or lost, you'll be forced to replace them because you can't risk being unable to complete a job on time, and to a high quality. This could put a serious financial dent in your business, and stop you from doing your job until you can afford new tools. If your tools have been taken after a break-in on your van, or even simply been damaged on the job, tool insurance cover can help you get back to work quicker than you could have ever expected.
Unlike public liability, tool insurance cover is not an automatic cover, it is an optional cover which can be added to your standard Tradesman Saver policy. Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Tool Insurance Related Articles

Tools Insurance: Frequently Asked Questions

Can I get tool insurance without applying for any other cover?

Most insurers are unable to offer tool insurance on its own due to the high level of claims that arise from this type of cover. It is often included as part of a comprehensive public liability insurance package.

Does Tradesman Saver's tool insurance cover theft?

Yes, theft cover is provided anywhere in the UK but please note, there is often an increased excess if tools are stolen from an unattended vehicle.

Will my tools be covered on site?

Yes. Your tradesman tool insurance is an "all risks" policy, which means that your tools will be covered anywhere in the United Kingdom, no matter where they are located.

What kind of security do I need to worry about when it comes to covering my tools?

Before making a payment as a result of your claim, insurance companies will want to ask you some questions about the safety of your tools.

Some of these may include details such as vehicle alarm specifications if you leave your tools overnight in a van, or details about the construction of the building you were keeping your tools in. Keep in mind that, in some cases, insurance companies require you to keep your vehicle in a locked compound overnight if you intend to store your tools in it.

Our Tradesman Saver tools insurance provides cover for tools left in an unattended vehicle but you will pay a slightly higher excess if they are stolen.

What is not covered by tool insurance?

Insurance does not cover some events no matter how basic or comprehensive the policy you choose is. Some of these include any form of intentional damage or any damage that was caused by you or someone who works for you misusing the tool or equipment. You will also not get cover for any unlawful use of tools.

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Cheap Equipment & Tools Insurance You Can Trust | TS® UK

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Get A Quote Up to £10,000 per person, available as an extension under our standard policies Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £10,000 tool cover per person Includes cover for theft from unattended vehicles (higher excess may apply) Covered on an All Risks basis anywhere in the UK Tradesman Saver's tool insurance begins from the moment you purchase your cover from us.

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For Sole Trader Professional Indemnity Insurance In UK

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For Sole Trader Professional Indemnity Insurance In UK

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Sole trader insurance helps keep your head above water financially if you’re impacted by unfortunate incidents like injury or theft. The premium sole trader insurance package from Tradesman Saver provides you with comprehensive cover, including public liability insurance, products liability insurance and employer’s liability insurance. This means you can do what you do best without worrying about the financial consequences of any accidents.

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Get A Quote

Cheap sole trader insurance that you can rely on

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Sole Trader Insurance Cover?

Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Sole trader insurance helps keep your head above water financially if you're impacted by unfortunate incidents like injury or theft. The premium sole trader insurance package from Tradesman Saver provides you with comprehensive cover, including public liability insurance , products liability insurance and employer's liability insurance . This means you can do what you do best without worrying about the financial consequences of any accidents.

Why do you need sole trader insurance?

Although being a sole trader offers benefits like being your own boss and complete ownership of profits, you still have to think about the potential for things to go pear-shaped.

With a sole trader insurance policy from Tradesman Saver, you'll have a safety net should anything go awry. What's more, you'll be a lot more attractive to prospective clients, as this helps to prove that you're trustworthy.

Here at Tradesman Saver, we offer affordable sole trader insurance to ensure that everyone can get the cover they need. To create a tailor-made policy today, simply fill out our online form.
Get a Quote Learn about Contractor Insurance

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our sole traders insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for sole traders

When looking for a sole trader insurance policy, you'll come across various terms. But perhaps the most common is 'public liability cover', and for good reason. Forming the basis of most insurance policies, it protects you if you're sued for causing injury or property damage to third parties. Among the scenarios it will protect you in include:

Scratching the paint off a client's car after accidentally catching it with a piece of wood.

Injuring a member of the public after they trip over your toolbox.

Ruining a customer's carpet after spilling coffee on it.

Why do you need sole trader public liability insurance?
Get a Quote
Public liability insurance is vital for two main reasons. The first is that it protects your business against expensive compensation claims and legal expenses because of injury or property damage caused while working. Having this cover could be the difference between your company folding or not.

The second reason is that public liability insurance helps you to attract customers. People will be much more willing to work with those with a comprehensive insurance policy, as it shows that the tradesman in question takes their safety seriously and is therefore more trustworthy.

How much does sole trader insurance cost?

How much your sole trader insurance costs is impacted by aspects such as how big your contracts are, your experience and your claims history. The type of cover you opt for can also help determine the price.

Here at Tradesman Saver, our policy for sole traders includes a few extra covers as standard, including legal expenses , financial loss and accidental death insurance. Consequently, you'll get some of the most comprehensive cover on the market.

Sole trader insurance quote examples

£58.76 / year A bricklayer working as a sole trader on domestic and small commercial properties not exceeding 10 metres in height

Bricklayer

Sole trader

No employees

5 years experience

Based in Newcastle

No claims

£45.28 / month £514.60 / year A plumber working as a sole trader on domestic and small commercial properties

Plumber

Sole Trader

No employees

1 years experience

Based in Surrey

No claims

The above quote examples were taken from our online system on 07/04/22. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Sole Traders Insurance Related Articles

Sole Trader Insurance: Frequently Asked Questions

Do I legally need sole trader insurance?

Strictly speaking, you don't require sole trader insurance by law unless you hire employees. In this case you'll need employer's liability insurance. However, getting sole trader insurance is not only a great financial decision, but will give you a much better chance of attracting clients.

How much sole trader insurance do I need?

How much sole trader insurance you need is affected by aspects like how dangerous your jobs are, the size of your contacts, and the cost of your equipment. We can help you work this out if you're uncertain.

What additional covers might I want on my sole trader insurance policy?

Other covers you might want to consider include tools insurance for your all-important tools, van insurance for your vehicle and business contents cover for equipment like PCs and phones.

What limit of indemnity will I require?

The indemnity limit is the maximum an insurer will pay in the event of a claim, with the standard limit being £1,000,000. However, some of your contracts may require you to have a higher limit, or it may be a condition of your professional association or trade body membership.

How do I make a claim on my sole trader insurance policy?

To make a claim on your sole trader insurance policy, you first need to get a form from your provider. When filling it out, check that you're within the time limits for making a claim and that your policy covers what you're claiming for. You should also see what the excess is so you're aware of how much contributing towards the claim.

Which details do I need to provide to get a quote?

The main information you'll need to give when obtaining a sole trader insurance quote is your name, address and the type of work you undertake.

A Few Tradesman Covers We Provide:

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Get A Quote Cheap sole trader insurance that you can rely on Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) Sole trader insurance helps keep your head above water financially if you're impacted by unfortunate incidents like injury or theft.

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Public Liability Cover Insurance For Catering Business

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Public Liability Cover Insurance For Catering Business

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When you’re looking to insure your catering business, a public liability policy should be the main priority. This protects you in the event that a customer is injured or falls ill, or their property is damaged as a direct result of your business.

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Get A Quote

Liability insurance for caterers, starting at less than £59* per year

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Public Liability Cover For Caterers
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

When you're looking to insure your catering business, a public liability policy should be the main priority. This protects you in the event that a customer is injured or falls ill, or their property is damaged as a direct result of your business.

At Tradesman Saver, our standard policy provide up to £5 million public liability cover for the financial costs. This protects against things like customers falling ill from poorly prepared food, accidentally spilling a hot drink, or even causing a spillage that someone slips on.

Caterers should also look at other types of coverage, such as employers liability insurance , which is a legal requirement if you hire any staff. You may also choose to take out a product liability insurance policy for your catering equipment, in case of any malfunctions or breakdowns.
Get a Quote Learn about Public Liability

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our catering insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is caterers insurance?

Our liability insurance offers catering companies the right coverage to protect their business and livelihood. At Tradesman Saver, we understand you may need insurance to cover a number of different aspects of your business, including public liability insurance and legal expenses . This is why our basic package includes everything you need so that no matter what happens, your catering business is protected.

Why do you need caterers insurance?

Whether you're a restaurateur or a mobile caterer for events, having the right insurance is crucial. As a caterer, you're constantly interacting with members of the public, and could be left open to a costly claim in the event of an accident or if someone falls ill. You need to ensure that all food you serve is cooked and properly prepared, with any allergen information clearly labelled and explained. However, even the most careful businesses can get stung. This is why it's best to be prepared for the worst case scenario. You can easily build an insurance policy that's perfect for your business's needs with Tradesman Saver-simply fill out our online form to get started.
Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Caterers Insurance: Frequently Asked Questions

Does home insurance cover me as a caterer?

Your home insurance may well cover certain items you use as a caterer, but this is unlikely to extend outside your home. Home insurance also doesn't cover you for public liability or employers' liability, which you will need to safeguard your business against unexpected accidents.

Does catering insurance cover me for alcohol?

At Tradesman Saver we do not cover vendors like pop-up bars. If your catering company serves alcohol alongside your food provisions, you will be covered under our catering insurance policy. However, Tradesman Saver does not cover loss of licence under this policy.

What information do I need to provide for catering insurance?

For catering insurance with Tradesman Saver, you will need to provide basic information such as your name, address, and a few key details about your business. This includes the size of your operation and information about your annual turnover and employees. We will also need to know about any previous claims made against your business.

A Few Trades We Also Cover:

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Cheap Catering Insurance You Can Trust | TS® UK

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Get A Quote Liability insurance for caterers, starting at less than £59* per year Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) When you're looking to insure your catering business, a public liability policy should be the main priority.

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Public Liability Insurance For A Carpenter Or Joiner

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Public Liability Insurance For A Carpenter Or Joiner

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As a carpenter or joiner, you know that your business comes with its own set of risks. Any trade that works with power tools for a living can be particularly dangerous, but since you sometimes have to work in a client’s property, that can bring a whole new set of risks to the table. This is why having a comprehensive joiners or carpenters insurance policy in place is so vital to the financial wellbeing of your business.

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Cheap Carpenter & Joiner Insurance You Can trust | TS® UK

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Carpenters and joiners insurance that will keep your business stable. Save on costs with A+ Rated insurance you can trust.

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For Contractors Business Insurance Contact Us

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For Contractors Business Insurance Contact Us

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As well as planning projects, inspecting buildings and managing your team, contractors also have to deal with the unfortunate reality of an accident striking you or your employees on the job. However, securing a bespoke contractors liability insurance policy can make things a lot easier (and safer).

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Get A Quote

Contractors business insurance, starting at less than £59* per year

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Contractors Liability Insurance Cover
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Contractors liability insurance helps contractors keep their head above water financially should unexpected incidents like injury or theft strike. The top notch contractors insurance packages from Tradesman Saver feature all the covers you need, including the likes of public liability insurance, products liability insurance and employer's liability insurance. Consequently, you can go about your business safe in the knowledge that your livelihood is protected from any accidents.

Why do you need contractors business insurance?

As well as planning projects, inspecting buildings and managing your team, contractors also have to deal with the unfortunate reality of an accident striking you or your employees on the job. However, securing a bespoke contractors liability insurance policy can make things a lot easier (and safer).

This lets you work without worrying that one accident could leave you in the mire financially, giving you the confidence to do your job to the highest standard. What's more, prospective customers are also more likely to work with someone who's insured as it shows that they take their work seriously and can be trusted.

Here at Tradesman Saver, we offer low-cost contractors insurance to ensure that everyone can get the cover they need. To build a tailored contractors insurance policy that's perfect for your requirements, fill out our online form today.
Get a Quote Learn about Public Liability

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our contractors insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for contractors

When buying contractors insurance, there are various terms you'll come across. But perhaps the most common is 'public liability cover', and for good reason. This is the backbone of any insurance policy and covers injury to third parties or damage to their property, therefore protecting you when being sued by your customers or members of the public. Among the situations it covers are:

Damage to a client's car after catching it with a plank of wood you're carrying.

Injury to a member of the public after they trip over your toolbox.

Damage to a client's neighbour's fence when building an extension

Why do you need public liability insurance for contractors?

Working as a contractor is no walk in the park. After spending all of your hours building other people's dreams, it's easy for your own to fall by the wayside, such as having a safe and secure livelihood. But this is certainly not something you should neglect, and public liability insurance will help you achieve this dream, allowing you to safeguard your financial future.
Get a Quote

How much does contractor's insurance cost?

The cost of your contractors insurance depends on the type of contracting you are carrying out. Prices vary by trade and there are many types contractor we can cover. For example we offer insurance for plumbing contractors, building contractors, fencing contractors, roofing contractors, paving contractors, cleaning contractors, flooring contractors and drainage contractors to name just a few! The risk your trade poses to the public and the likelihood of a claim occurring will affect the price you pay. Other elements like the limits of cover you select, number of staff, how long you have been trading and whether you have had any claims can all influence the price you pay.

With Tradesman Saver all policies for contractors include lots of additional covers as standard. In addition to public liability insurance, you will also get cover for legal expenses , financial loss and accidental death cover. Most other insurers charge extra for these covers but with Tradesman Saver we include these for FREE.

Contractor's Insurance quote examples

£58.76 / year A cleaning contractor working on domestic properties

Sole Trader

No employees

5 years experience

Based in London

No claims

£47.85 / month £543.72 / year A building contracting company working on domestic properties

Limited Company

3 Employees

5 years experience

Based in Surrey

No claims

The above quote examples were taken from our online system on 16/11/21. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Contractors Insurance Related Articles

Contractors Insurance: Frequently Asked Questions

Do I need legally need contractors insurance?

The only reason you'd legally need contractors insurance is if you employ members of staff, in which case employer's liability insurance is required by law. However, not only will contractors insurance protect your finances, but will make prospective customers more likely to work with you.

Is contractors insurance the same as contractors all risk insurance?

Contractors insurance refers to all the types of cover a contractor could need, such as public liability, employer's liability, and legal expenses. Contractors all risks insurance is one specific policy that is available to all tradesmen within the construction sector, such as builders, plumbers, and carpenters.

This particular optional cover includes contract works insurance, up to £500,000 expenses for loss or damage to building works you're responsible for. We also protect you against theft or damage to any equipment associated with the contract, as well as damage to temporary buildings or hired-in property.

How much contractor's insurance do I need?

The amount of contractors insurance you require depends on things like how dangerous your jobs are, how large your contracts are, and how expensive your equipment is. We can help you work out how much is necessary if you're unsure.

How do I make a claim on my contractors insurance policy?

In order to make a claim on your contractors insurance policy, you need to get in touch with us ASAP. While completing the form, you should ensure you're within the time limits for making a claim and that your policy covers the type of claim involved. It's also a good idea to find out what this excess is so you're aware of what the insurer will deduct from the claim.

What information do I need to provide?

When getting a contractors insurance quote, you'll have to give basic details like your name, address and the type of work you regularly undertake. Your provider will also need to know the size of your business, which involves giving information regarding your annual turnover and how many employees you have. They could also request details about previous insurance claims.

Contractor Trades We Cover

You need to be logged in to Your Account to make a payment. Redirecting you to Account Login.

OUR COOKIE POLICY

We use cookies to give you the best possible experience of our website. If you continue, we'll assume you're happy for your web browser to receive all cookies from our website. See our cookie policy for more information on cookies and how to manage them.

Close

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Contractors Liability Insurance Cover | TS® UK

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Get A Quote Contractors business insurance, starting at less than £59* per year Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) Contractors liability insurance helps contractors keep their head above water financially should unexpected incidents like injury or theft strike.

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Personal Liability Insurance Service From Tradesman Saver

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Personal Liability Insurance Service From Tradesman Saver

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Personal liability insurance offers cover for any claims taken out against an individual who is considered legally responsible for injury to another person, or for damage sustained to property. Personal liability insurance coverage is not a commonly-used policy in the United Kingdom and tends to be incorporated into existing home insurance, rather than for any workplace policies.

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Get A Quote

Find out if personal liability insurance is right for you and your business

What is personal liability insurance?

Personal liability insurance offers cover for any claims taken out against an individual who is considered legally responsible for injury to another person, or for damage sustained to property. Personal liability insurance coverage is not a commonly-used policy in the United Kingdom and tends to be incorporated into existing home insurance, rather than for any workplace policies.

Get in touch with us today to further discuss your insurance needs as a tradesman, or to put together your business's own personal public liability insurance policy.

Get compensation on any personal claims made against you.

Tradesman Saver offers a huge range of insurance policies to businesses in all manner of industries, looking to cover claims related to injury and property damage. As such, we frequently receive enquiries from potential customers who are looking for information about personal liability insurance coverage. Read on to learn more about when you might need personal liability insurance, what it covers, and which other forms of cover might benefit your business.
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Do I need personal liability insurance?

Businesses are not protected by personal liability insurance and individuals who are looking for protection for damage or personal injury claims made against their company should instead strongly consider taking out a public liability insurance policy. This offers full financial protection to any businesses whose activities are deemed legally responsible for any injury or damage to property sustained by a client, member of the public, or third party.

Public liability insurance also comes as one of five standard covers issued with any Tradesman Saver policy, alongside financial loss, products liability insurance, legal expenses cover and accidental death insurance. These have been chosen to create a cover that acts in the best interests of a huge range of businesses, with optional policies such as personal accident cover and employers liability insurance also available at an additional charge.

What's included with our Automatic Cover

Learn more about our Additional Cover Options

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Personal Liability Insurance - Tradesman Saver

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Get A Quote Find out if personal liability insurance is right for you and your business What is personal liability insurance? Personal liability insurance offers cover for any claims taken out against an individual who is considered legally responsible for injury to another person, or for damage sustained to property.

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Professional Indemnity Insurance From Tradesman Saver

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Professional Indemnity Insurance From Tradesman Saver

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Like all our policies, taking out professional indemnity insurance with Tradesman Saver gives you and your business instant financial protection and access to a 24-hour helpline, providing all the legal advice you need. Our standard policy offers you up to £1,000,000 of professional indemnity cover. However, if you don’t believe this is an adequate amount, contact us so we can arrange the cover best suited to your needs.

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Cheap Professional Indemnity Insurance You Can Trust | TS® UK

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Professional indemnity insurance designed to suit any industry. Save on costs with A+ Rated insurance you can trust.

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Business Contents Insurance From Tradesman Saver

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Business Contents Insurance From Tradesman Saver

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Business contents insurance can be purchased as an optional cover, which we advise you take out alongside our automatic policy package.

As part of this standard package, you also get public liability and products liability cover to provide protection should your business activities or products injure somebody, as well as cover for up to £250,000 worth of legal expenses. This also protects you in a wide range of scenarios, like the accidental death of an employee or if you face action over financial losses caused to a third party.

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Get A Quote

Available as an optional extension for all Tradesman Saver customers

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Business Contents Cover
Our Business Contents cover includes:

Up to £20,000 all risks cover

Cover available in multiples of £5,000

Contents covered at the premises in connection with your business

Base cover includes public liability insurance

Business contents insurance can be purchased as an optional cover, which we advise you take out alongside our automatic policy package.

As part of this standard package, you also get public liability and products liability cover to provide protection should your business activities or products injure somebody, as well as cover for up to £250,000 worth of legal expenses. This also protects you in a wide range of scenarios, like the accidental death of an employee or if you face action over financial losses caused to a third party.
O ur business contents insurance cover starts at £5,000 and can be increased in steps of £5,000 as needed - and up to £20,000. Should you need higher limits of cover, give us a call, and we'll be happy to arrange a suitable package. Get a Quote

What's included with our Automatic Cover

Learn more about our Additional Cover Options

What is business contents insurance?

As a trade business owner, you will likely rely on equipment like PCs and telephones to run your company on a day-to-day basis. However, if any of these are stolen or damaged beyond repair, it can make it extremely difficult to continue operating . Not o nly would it affect your ability to keep things running efficiently, but could also lead to unexpected costs that make a huge dent in your bottom line.

Business contents insurance is designed to cover items you rely on - excluding any technical tools and equipment you use on the job, like hammers, screwdrivers, and drills-should the worst come to the worst. Items covered include PCs, desks, furniture, and telephone systems. Tradesman Saver gives you wide-ranging, all risks cover if this equipment is stolen, destroyed, or damaged.

Why do you need business contents insurance?

What would you do if your home office was destroyed by a fire and you lost all of your business equipment? Or if your premises were broken into and the entire contents were stolen? Either way, you would be left without this vital equipment, and forced to foot a hefty bill to replace it. This is exactly why business contents insurance is so important.

Having business content insurance in place ensures that, should your business contents be destroyed, damaged, or stolen, your insurer will pay the replacement costs. Meaning your business remains ship-shape and your projects run on time.
Please note that business contents insurance is an optional cover that you can add to your policy. Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Instant Cover

No need to wait for your documents. You're covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

Business Contents Insurance: Frequently Asked Questions

What does business content insurance cover?

Business content insurance covers you if your business contents are lost, stolen, or damaged. Situations that might result in a claim include theft, malicious damage, fires, flooding, and lightning or storm damage.

Why is business contents insurance important?

Many business owners overlook their contents, and focus on covers like public liability and legal expenses instead. But without investing in business contents insurance, your company could be seriously hampered if you suddenly find yourself without essential office equipment like your PCs and telephones. You may be unable to afford any replacements, potentially forcing you to let clients down. Even if you can afford them, this will still eat into your hard-earned profits. Business contents insurance ensures that you'll never be faced with these predicaments.

How much is business contents insurance?

You can add business contents insurance to your Tradesman Saver policy for as little as £15. The final cost of your policy will depend on factors like the level of cover you select, the location of your premises, and the type of business you run.

Can I get business contents insurance only?

No, business contents insurance is only available as an optional extension to our standard policy, which includes financial loss, products liability, legal expenses, and accidental death cover.

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Low-Cost Business Contents Insurance You Can Trust| TS® UK

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Get A Quote Available as an optional extension for all Tradesman Saver customers Not on comparison sites - save money by coming direct to us Quick Online Quote Our Business Contents cover includes: Up to £20,000 all risks cover Cover available in multiples of £5,000 Contents covered at the premises in connection with your business Base cover includes public liability insurance Business contents insurance can be purchased as an optional cover, which we advise you take out alongside our automatic policy package.

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For Photography Equipment Insurance In UK Contact Tradesman Saver

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For Photography Equipment Insurance In UK Contact Tradesman Saver

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Taking out photography insurance with Tradesman Saver gives you access to five separate policies in one automatic cover package, including legal expenses and financial loss. Photographers’ public liability insurance is potentially the most crucial of them, offering you financial cover in the event that your equipment causes harm or damage to a third party, or third-party property.

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Get A Quote

Keep your photographers business safe from third party claims with our photography insurance package

Not on comparison sites - save money by coming direct to us

Quick Online Quote

Tradesman Saver's Public Liability Cover For Photographers
Our standard cover is:

Up to £5 million cover for public and products liability

£10,000 cover for any financial loss (£50K cover optional)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Taking out photography insurance with Tradesman Saver gives you access to five separate policies in one automatic cover package, including legal expenses and financial loss . Photographers public liability insurance is potentially the most crucial of them, offering you financial cover in the event that your equipment causes harm or damage to a third party, or third party property. Without this protection in place, you could be forced to pay a huge amount in compensation but, even if your camera, lights or tripod is to blame, our public liability insurance can prevent you from being out of pocket.

Our additional cover can be bought as extras for your primary policy, giving you a tailor-made plan to suit your needs. Employer's liability insurance , for example, is legally required for all businesses who hire other staff. Possibly the most important insurance policy for any photographer, though, is tools and equipment cover . Since you can't do your job without your camera, this policy will help you finance any replacement gear in the event of damage, theft or loss. Get a free quote below, or contact us to put together your picture perfect photography insurance policy today.
Get a Quote Learn about Public Liability

What's included with our Automatic Cover

Learn more about our Additional Cover Options

How our photographers insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You're insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is photographers insurance?

Owning a photography business can be extremely difficult. Regardless of whether you work solo, or employ a team of photographers, having comprehensive photography business insurance in place can provide essential cover against any injury or damage claims which have been caused by your equipment or staff. With a range of stresses and risks facing your business on a daily basis, but a photography insurance policy from Tradesman Saver can give you the peace of mind you need.

Why do you need photographers insurance?

Working as a photographer is an enviable job, getting to capture some of the happiest moments of people's lives on film forever. But we all know that accidents can happen in a flash. Whether a wedding guest trips over your tripod as you take a shot of the bride and groom cutting the cake, or your car is broken into overnight while your camera bag was in the backseat, a photography insurance policy can help you be sure that you won't be left out of pocket. Tradesman Saver can give you cover that matches your specific needs, and between our automatic cover and optional policies, you'll have all the protection you need.
Get a Quote

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

It Shouldn't Happen To A Photographer

Here are some examples of claims:

Example 1

You're taking photos at a wedding and have your tripod out to take a bridal group shot. You place it to one side after you're done, to take photos free-hand, but unfortunately one of the guests trips over your tripod, injuring themselves. They sue you for compensation. Fortunately, your public liability insurance can really help here - it will cover the costs of the compensation and legal costs for you, so you don't get left out of pocket.

Example 2

You're hired to be the photographer at an event. You nip to the toilet and leave your camera in your equipment bag, but when you return, you find your camera is missing. Your tools & equipment insurance is your saving grace in this situation - your insurer will pay out the cost of replacing your equipment, so your business doesn't have to suffer because someone else has sticky fingers.

Photography Insurance: Frequently Asked Questions

Can I buy camera equipment insurance only?

Unfortunately not. Camera insurance would fall under our wider tools and equipment insurance cover, which is one of our additional covers. However, by taking out comprehensive photographers insurance cover with Tradesman Saver, you can have full financial protection against any accidents caused as a result of your work.

Is my photography equipment covered abroad?

Our insurance for your equipment provides cover anywhere in the UK, although our policies provide worldwide public liability cover for temporary (up to 14 days) trips abroad (excluding the USA/Canada).

Am I covered if I leave my camera alone while working?

Yes, our policy provides cover for your equipment anywhere in the UK on an all risks basis. The only thing to be aware of is that there is an increased excess of £250 for any losses from an unattended vehicle.

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Low-Cost Photography Insurance You Can Trust | TS® UK

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Get A Quote Keep your photographers business safe from third party claims with our photography insurance package Not on comparison sites - save money by coming direct to us Quick Online Quote Our standard cover is: Up to £5 million cover for public and products liability £10,000 cover for any financial loss (£50K cover optional) Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada) Taking out photography insurance with Tradesman Saver gives you access to five separate policies in one automatic cover package, including legal expenses and financial loss .

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Employers Public Liability Insurance From Tradesman Saver

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Employers Public Liability Insurance From Tradesman Saver

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Our employer’s liability insurance is automatically activated from the moment you purchase it, with an indemnity limit of £10 million. This is the most we will pay out in a single claim. You can even protect working partners and temporary staff as optional extensions to your employer’s liability coverage.

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Employers Liability Insurance | Saving Businesses For 35 Years

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Employers liability insurance tailored to over 200 businesses and starting at just £58 per year. Our A+ Rated Insurance has been trusted for 35 years.

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Public Liability Insurance Service From Tradesman Saver

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Public Liability Insurance Service From Tradesman Saver

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Public liability insurance protects your business if customers, suppliers, or members of the public suffer property damage or personal injury as a result of your business’s activities.  This can include things like a client tripping over tools or building materials, or a member of the public’s vehicle getting damaged in the course of you conducting your business activities.

This makes liability insurance the cornerstone of any tradesman insurance.

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Get A Quote

Comprehensive public liability insurance cover for less than £59* per year

Not on comparison sites - save money by coming direct to us

Quick Online Quote

What is public liability insurance?

Public liability insurance protects your business if customers, suppliers, or members of the public suffer property damage or personal injury as a result of your business's activities. This can include things like a client tripping over tools or building materials, or a member of the public's vehicle getting damaged in the course of you conducting your business activities.

You may be taken to court over such incidents, and have to pay high costs to defend yourself. In other words, you are liable to pay for damages - and the cost of going to court , or mediating for compensation, will mean a hit to your business. With Tradesman Saver's comprehensive liability insurance under your belt, legal expenses and compensation claims are covered for accidents that occurred both on your premises and off-site.

This makes liability insurance the cornerstone of any tradesman insurance.

Why do you need public liability insurance?

Though public liability insurance is not a legal requirement in the UK, it is considered a necessity amongst tradesmen. Accidents are always possible if your business involves direct contact with others, especially if your work is often carried out on client sites, or you frequently welcome visitors to your premises. Therefore, it's vital to be prepared for the worst by protecting your business financially.

What's more, some clients may require you to have public liability insurance in place before you can conduct any work for them.
Quick Online Quote

What's included with our Automatic Cover

Learn more about our Additional Cover Options

Tradesman Saver's Public Liability Insurance

I ncludes four more Tradesman Saver covers as standard
Our liability insurance cover includes:

Up to £5 million public & products liability insurance (more available by arrangement)

£10,000 financial loss cover (with an option to increase to £50K)

Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

£250,000 legal expenses cover + 24-hour legal helpline

Get cheap public liability insurance with Tradesman Saver, as our standard package comes with four other covers:

Products liability

Our products liability cover safeguards you against damages or injuries resulting from a product you've sold, supplied, or installed for a third party.

Financial loss

We cover any financial losses inflicted on a third party that haven't been directly caused by an accident. This means we will meet any costs if another business claims they have suffered financial loss as a result of your actions.

Accidental death

Meanwhile, our accidental death insurance will protect your business if the worst happens to you or your staff.

Legal expenses

We offer up to £250,000 free cover for legal expenses with every policy. This is in addition to a 24-hour legal helpline for addressing any queries and a wealth of useful online legal resources.

Get in touch with our team for a public liability insurance quote today.
Cost of public liability cover Scenarios requiring liability insurance

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Instant Cover

No need to wait for your documents. You're covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.

£50 from
me to you.

When a friend you refer takes out a new policy, we'll give £25 to them, and £25 to you.

Refer a friend

How much does public liability insurance cost?

The final public liability insurance cost depends on aspects like:

The indemnity limits you've chosen for each cover

Whether you've selected any additional covers and the indemnity limits of these

Your particular trade or profession

Whether or not you have made any claims in recent years

How do insurers calculate the cost of public liability insurance?

Insurers calculate your public liability insurance cost based on the likelihood of you making a claim, as well as the price of any possible claim. This means that your premium might vary depending on the level of risk posed by your business.

For instance, if you or your employees work in high risk locations or your job could potentially cause a lot of damage if it went wrong, it is likely that your policy will come with a higher premium. An example would be a plumbing and heating engineer where the cost of damage caused by a leak at a customer's home following an incorrectly fitted radiator could be very large. However, if your trade is relatively low risk, such as a painter and decorator or a carpenter, you will pay less

When would liability insurance be required?

Some examples of when public liability insurance could come in handy include:

If a customer slips on a wet floor and injures themselves.

Should a builder puncture a water pipe, causing flooding which results in substantial damage to the property.

If somebody spilled hot coffee over a client while having a consultation.

If a caterer caused guests to contract food poisoning at a wedding reception.

Should tools or scaffolding malfunction, causing accidental damage to a property or bystander.

Should a painter accidentally knock paint over a customer's expensive carpet.

Here are a few more examples of public liability claims.

Learn more about other liability covers

Public Liability Insurance: Frequently Asked Questions

Why is public liability insurance important?

Having public liability insurance could be the difference between your business flourishing or going bankrupt. There's no telling when an unpredictable accident will take place, and if your company has to pay damages for causing injury or property damage, you could be put in serious financial trouble. Public liability insurance is very important as it protects your business from such unforeseen expenses.

How much public liability insurance do I need?

The amount of public liability insurance your business requires depends on the work you do. When deciding, it's vital that you consider the size of compensation you could potentially be demanded to pay. For instance, tradesmen need to consider how dangerous the tools they work with are, and how safe their typical work environment is. It's also helpful to discuss public liability insurance with possible clients to see whether they expect a particular degree of cover.

Here at Tradesman Saver, we offer an indemnity limit of £1 million, which is the most we will pay out in a single claim. However, you have the option to increase this to £2 million or £5 million to accommodate the needs of a particular customer - for instance, local authorities typically need £5 million cover. Please contact us if this sum will not be enough to meet your requirements, and we will arrange appropriate cover.

Is public liability insurance a legal requirement?

UK businesses are not legally required to have public liability insurance and you will not be subject to criminal proceedings if you decide against it. Nevertheless, the importance of this cover cannot be stressed enough. Not only will this make your business look far more professional, but it keeps you in the black financially too. Public liability insurance may also impact the jobs you are able to do, as many customers will request certain levels of cover before agreeing to work with you.

Will I automatically get public liability insurance with any Tradesman Saver policy?

Yes, all of our policies come complete with public liability cover as standard, in addition to financial loss, products liability, legal expenses, and accidental death. You can find more information on the covers we automatically include in the dedicated section above.

Am I covered if one of my employees has an accident at work?

You will need to purchase employer's liability insurance to cover any injuries caused to your staff. This cover can be added when you receive a public liability insurance quotation from us. Employee injuries can be catastrophic as not only will they be out of work, therefore denting your profits, but you could also face extortionate compensation claims from staff members themselves. Employer's liability insurance protects you from these possibilities, as we will be responsible for covering any consequent costs. Please note that it is actually a legal requirement if you employ staff.

Do I really need public liability insurance if I work from home?

Even if you work from home, public liability insurance is strongly recommended should customers or members of the public come to your property, or you visit them at their own premises. For example, anything from an accidental spillage in the kitchen to an uneven step on your staircase could unwittingly cause injury or property damage. The majority of home insurance policies won't cover business-related claims, and even if they do, the protection may not be enough to keep your business safe. Taking out public liability insurance means you won't be responsible for the costs involving unexpected accidents in your home.

Do I need public liability if I am self-employed?

Public liability insurance is just as necessary for a self-employed individual as it is for a company owner. Just because you work for yourself doesn't mean you don't face the same risks as companies, making it vital to have public liability insurance in place. Otherwise, you could end up in serious financial trouble.

What if I have more than one trade?

You will only be fully protected if you have public liability insurance for each trade you work in. With Tradesman Saver you are able to select up to three trades or occupations when you complete our online quotation form. If you need more than this, simply contact us and we can arrange a bespoke cover to suit you. It's vital that your public liability insurance policy covers all the business activities you undertake.

Is the cost of public liability insurance the same for all trades?

Quotations do vary from trade to trade as some professions involve higher risk than others. Public liability insurance cost also depends on factors including the size of your business, your claims history, and how much cover you require according to your circumstances. This will all be reflected in the price of your cover.

Does public liability insurance cover me for any advice I provide through my trade?

If your business offers advice on topics like design or specification, for example, this is covered by professional indemnity insurance . This protects you if your business is deemed professionally negligent, which could lead to claims for things like financial loss, infringement of intellectual property rights, and unintentional breach of confidentiality.

However, professional indemnity insurance ensures that we would cover all the legal costs associated with any of these claims. This can be added when you receive your online public liability insurance quote. If professional indemnity insurance is not available online for your trade, please contact us to arrange a separate policy.

However, by taking out tradesman public liability insurance with a reputable and experienced provider, you can rest easy knowing your business is always protected from any sudden and unwanted costs.

Can I handle public liability cost on my own?

This is not recommended, as it can be very difficult to predict how much any given incident will cost you. The value of a claim will depend on all of the implications of the injury or property damage, and could set you back millions of pounds in the worst case scenario.

For instance, victims may not be able to work following a personal injury that your business is responsible for, meaning you'll need to pay for medication, legal fees and other ensuing costs. This compensation could cause major financial problems for your business and, as accidents can happen without warning, you may not be financially prepared for such huge expenses.

However, by taking out tradesman public liability insurance with a reputable and experienced provider, you can rest easy knowing your business is always protected from any sudden and unwanted costs.

Public Liability Insurance Related Articles

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Low-Cost Public Liability Insurance You Can Trust | TS® UK

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Get A Quote Comprehensive public liability insurance cover for less than £59* per year Not on comparison sites - save money by coming direct to us Quick Online Quote What is public liability insurance? Public liability insurance protects your business if customers, suppliers, or members of the public suffer property damage or personal injury as a result of your business's activities.