What Can I Cover Under My Tradesman Insurance Policy?

A tradesman insurance policy is available to cover your entire business and when you are working in the public properties, you need that protection to ensure that you and your business is safe at all times.

The first thing you can cover is your building, that is if you work from a set property. Often you will work from home and spend your time on the road. But if you have a headquarters as such, you will want to know it's protected against storm damage, fire and theft.

In the event that your building is damaged, you want the repairs to be carried out as quickly as possible, this is easy with the right cover in place ensuring you don't have to use your hard earned profits to get back on track.

Chances are that you spend a lot of time in your vehicle travelling from customer to customer, you will also have all your valuable tools in the vehicle at any given time. These are your bread and butter and knowing they are covered gives you peace of mind when you need it most.

In the event of an accident or theft, knowing that your vehicle repairs or replacement will be fast and hassle free enables you to get back to work in the shortest period of time. If you are forced to keep your tools in your van overnight and when you get back to the van in the morning they have been stolen, it's a good feeling to know they are protected and you don't have to pay a fortune in replacement costs.

The most important covers that you need is professional indemnity and public liability cover. Public liability is essential when working in other peoples homes, whether you are doing plumbing work or fixing an electrical fault, any damage caused by your work or any injury your work causes can result in a large claim against you.

Professional indemnity is essential when carrying out work in peoples homes or offices, if your work results in problems later on, you will need to fix those repairs. This is work you haven't counted on and work you will not be paid for, being able to claim for this and still earn is essential for any business.

You can also add additional cover to your tradesman insurance policy, such as loss of income. This is a handy cover to have if your vehicle is damaged and you are unable to work until the repairs have been carried out or you are injured on the job and unable to work for a time.