Tradesmans Insurance

Low cost simple cover for Tradesmen, Self Employed and Small Contractors

These policies are usually rated “per-capita” i.e. the price is based on the number of people working in the business.

Our simple online tradesman’s liability policies can cover a wide variety of construction trades and are designed to be quick and easy for small businesses to obtain quotes and purchase cover through the website at any time of the day or night.

This type of policy may be suitable if your business:

• Has up to 10 people working in manual trades
• Does up to 7 trades e.g. builders, carpenters, electricians, painters, plumbers, etc
• Works on regular houses and small commercial buildings
• Needs basic liability and tools cover
• Does not need to cover the contract works

For larger businesses or where more complex or high risk work is involved, contact us to discuss our Contractors Combined for SME Contractors and Large Contractors where we can offer more cover options and higher limits for any size of construction firm.

Tradesman’s policies offer the basic cover that every business in the construction industry needs:

We are in the process of updating our website right now, we apologise for any inconveniance caused during this time.  In the meantime please contact us for a quotation on: 02920 702333 (during office hours) or email: quotes@charlesinsurance.co.uk

Public Liability

All businesses should purchase public liability insurance, this important cover protects you, the business owner, against claims from members of the public caused by accidental damage to their property or accidental injury where you or anyone working for you is held responsible for the incident.

Types of accident that can result in claims include:

• A contractor working on a house left an electrical extension lead un-coiled in the entry hall, the customer, returning home with some groceries, tripped on the extension lead and hit her face on the plug on the end.  She suffered a broken cheek bone, lacerations and extensive bruising and had to spend a number of days in hospital.  It is important that everyone on site is aware of trip hazards and does their part to keep access ways clear and safe.
• A roofer repairing lead work failed to notice that the timber boards under the metal sheet had begun to burn, the resulting fire caused extensive damage to the building and it’s contents.
• A painter placed a tin of paint on a sideboard that was covered by a dust sheet, the sheet was moved causing the paint to topple over and stain the carpet and curtains.  A specialist cleaner removed the paint, the cleaning bill was hundreds of pounds.

If your business is held to be responsible for an accident, can you afford to pay?

Accidents can and do happen, and public liability cover can protect your wealth from the financial losses involved.

We are in the process of updating our website right now, we apologise for any inconveniance caused during this time.  In the meantime please contact us for a quotation on: 02920 702333 (during office hours) or email: quotes@charlesinsurance.co.uk

Employers Liability

Employers liability protects your business against claims caused by accidents involving people who work for you.

As an employer you are responsible for the health and safety of everyone working on your job sites.

This cover is optional, but the law requires every business (with a very few exceptions) that employs people to purchase at least £5,000,000 of employers liability cover, but policies typically provide a standard £10,000,000 cover.

Do you have to buy it?  If you have any of the following:

• Full or Part Time Employees
• Casual Labourers
• Temporary and Contract Workers
• Volunteers (e.g. community or charity projects)
• Clerical and Administrative Staff

The answer is: YES – You have to buy it and display a valid certificate at every place of work and site.

It you need it, but do not purchase it, then in addition to the possibility of financial losses resulting from a claim, you face prosecution under the Health and Safety laws and will certainly be fined and have a criminal record to show for it.

Don’t take the risk, protect yourself and stay on the right side of the law.

We are in the process of updating our website right now, we apologise for any inconveniance caused during this time.  In the meantime please contact us for a quotation on: 02920 702333 (during office hours) or email: quotes@charlesinsurance.co.uk

Tools Cover

This optional cover protects you against loss, damage or theft of portable tools belonging to you or your employees.

Many workers are more efficient and efective when using their own personal tools and many trades have specialist tools unique to the jobs that they do.

Lost and damaged tools can rapidly result in lost time and lost work, damaging your business and your ability to earn a living.

Add this cover for additional peace of mind.

We are in the process of updating our website right now, we apologise for any inconveniance caused during this time.  In the meantime please contact us for a quotation on: 02920 702333 (during office hours) or email: quotes@charlesinsurance.co.uk