Tradesman's Liability Cover

This policy has been specifically designed to meet the needs of small businesses and limited companies where the workforce does not exceed 5.

There are a wide range of occupations available for instant online quotations.

The policy includes a no claim bonus at renewal (provided you have been claim free of course).

Enter here for an online quotation, or see below for details of the cover provided.

Details of cover

Public Liability

This provides cover for your legal liability to pay damages consequent upon bodily injury to another person (not an employee - that's covered under Employers Liability) or loss of or damage to their property in the course of your business.

Including:

Products Liability

"Tool of Trade" (use of mechanical plant)

Indemnity to Principal

Motor Contingent Liability

Defective premises Act legal fees and costs

Health and Safety at Work Act legal fees and costs

Leased or Rented premises

Data Protection Act legal fees and costs

Claims Excess

£100 for most claims

£250 for damage to underground services

£500 for damage caused by the application of heat.

If you use blow lamps, blow torches, flame guns and hot air guns then you must comply with the Fire Precautions Condition

Employers Liability cover

This covers your legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any employee in the course of their employment. The limit of indemnity is £10,000,000.

Including:

Contractual Liability

Indemnity to Principal

Defence costs for breach of statutory duty giving rise to injury

Health and Safety at Work Act legal fees and costs

These details of cover are meant as a guide only, for further information or a copy of the policy please email

Enter here for an on-line quotation