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Property maintenance & repair insurance is a mixture of different policies that can cover your business, with public liability as standard and the ability to add additional types of cover if your business needs it.
When you work as a tradesman or handyman, you might find there are a lot of risks that you work with. This is why public liability can protect your business from claims arising from third party injury and property damage. Public Liability can protect your business from a claim, allowing you to focus on your work.
This could be a ladder falling on a passer-by, spilling paint and causing stains, someone tripping on your tools etc. This is where public liability insurance steps in by covering the costs (up to £10 million) for legal fees and any financial awards made to the claimant.
This means that if the worst were to happen and someone became injured or property was damaged, your public liability insurance could give you the peace of mind knowing that you’re covered against potentially huge bills.
Employers’ liability insurance is a legal requirement, so if you do hire another person then you will need this type of cover as a handyman. Most other covers are not legal requirements, but do offer protection for risks that your business comes in contact with regularly.
Public liability is the most common policy bought for these trades as it protects you from claims of third party property damage and injury. This allows your customers to feel at ease knowing they are covered if something goes wrong.
As you can be using a lot of expensive tools and equipment in your trade, you might find that contractors all risk offers protection for items such as your tools, the plant and equipment you use on site, as well as the materials required to finish the job.
We can also help you find van insurance, goods in transit, professional indemnity and more. At constructaquote.com, we’re can help you find the policies that best suit your business.
Public liability insurance is designed to cover you if a claim is made against you or your business for injury to people, or damage to third party property. Public liability insurance can step in by covering the costs (up to £10 million) for legal fees and any financial awards made to the claimant.
Contractors all risk insurance is designed to offer you the protection you need for the tools of your trade, the plant and equipment you may be using on site, and the materials required to get the job done.
If you employ anyone else to help run your business, the answer is you will need employers’ liability insurance. Many trades may be carried out on a single-handed basis, but as your business grows and you take on one or more employees, the law says that you must have employers’ liability insurance.
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