Tradesmen Insurance packages are specially designed with people who work in trades industries in mind. Our packages consider both the general and unique risks that your industry is exposed to. Insurance for Tradespeople can cover you against risks of:

• Public and Employee injury or accidental death (Public and Employers Liability Insurance)
• Public or Employee property damage (Public and Employers Liability Insurance)
• Theft or accidental damage to your essential tools and equipment 
• Damages to your premises by perils such as fire, theft and flood
• Loss of income following an insured peril (Business Interruption)
• The risks associated with working at height
• Professional negligence from advice or designs you have provided (Professional Indemnity Insurance)
• Personal injuries that prevent you from being able to work (Personal Accident cover extension)

While Tradesman Public Liability cover is not compulsory; it should be regarded as essential for any manual trade. Without it, you will be personally liable for any accidents or other losses that may occur, putting your home or other assets at risk. 

If you have any employees, you are required by law to purchase Employers Liability Insurance, or you can face a fine of up to £2,500 per day.

If you sub-contract to a larger firm, you will likely be asked to provide proof of cover before any work commences.

Prices start from as little as £50 (plus insurance premium tax), but the specific cost of cover depends on some simple rating factors:

• The size of the business (number of people working manually or the turnover)
• The type of trade and/or split of work being carried out
• Required limit of indemnity 
• Experience and any claims history

There is no simple answer to how much cover you need and the best advice is always to consider your individual circumstances, both in terms of the work you carry out and the premises you work at. Think about the maximum property damage you could cause as well as the risk to the public.

If you are subcontracting to another firm, they will likely specify a minimum level of cover required. Typically this will start from £2m for public liability but can rise to £5m when working on larger projects or for local authorities.

Public Liability covers injuries to third-parties and damage to their property through your business activities.

For example, a member of the public is injured by insecure scaffolding or an employee damages a customer's carpet while working in their house, and they want you to pay for repairs or replacement.

Public Liability covers both the legal expenses and the compensation owed to the claimant.

Sometimes it is a contractual obligation to hold Public Liability. However, it is not currently a legal requirement for businesses to hold this cover.

It is commonplace that a private or public contact will require you to have all-risks cover. This is something that we can arrange with you over the phone quickly easily.

At Insync, we provide cover for many self-employed individuals who would be left in financial trouble should they be left unable to work.

Our Personal Accident cover is split into two key areas:

1. Capital Benefits providing lump-sum payments for life-changing events such as accidental death, paraplegia, quadriplegia or permanent disablement, as well as permanent loss of limbs, sight, hearing or speech.
2. Weekly Benefits which will assist in replacing lost income for the period you are unable to work following an accident allowing you to keep the mortgage and rental payments up-to-date. We can also extend cover for sickness subject to underwriter acceptance.

Business Interruption Insurance is an add-on you can purchase as part of your policy. It will cover you for lost income following an insured loss such as a fire, flood, or theft of your equipment. It is available for businesses who own and insure business premises.