Tradesman Insurance

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Tradesman Insurance General Providers

Coverquote

We enjoyed our visit to the Coverquote website of Clacton-on-Sea-based Holland Insurance Brokers Ltd. What you see is what you get as they unusually detail the premiums up front for each trade.

Average or typical price examples:

• For a carpet fitter, for example, Public Liability cover cost is £135, Employers Liability is £100.
• For a painter & decorator, the price is £200 and £145.
• A plumber is the most expensive, at £745 and £170.
• Prices include a £15 policy fee. (Prices correct at Oct 2010.)

Their tradesman policy is specifically designed to meet the needs of the self employed, small businesses and limited companies with a workforce of 5 or less.

It's only available to those who live and work in England, Scotland or Wales, and quotations are based on you being in business for the last 3 years.

Even if you don't buy from them, they give you a good steer on how the trades compare for insurance prices from a general online insurance broker.

The policy includes a no claim bonus at renewal.

Policies are underwritten by leading insurance firms including Axa, Royal & SunAlliance, Allianz Cornhill and NIG.

You can apply online by filling in a short form. They'll then contact you normally within 24 hours and confirm the premium and cover details.

Holland cover the following trades:

• Aerial Erectors
• Artexers
• Builders
• Carpenters (excluding woodworking machinists)
• Carpet fitters
• Double glazing contractors
• Electrical contractors
• Glazing contractors
• Domestic kitchen fitters & installers
• Gardeners incl Landscapers
• Painters & decorators (not industrial) (subject to £500 claim excess)
• Plasterers & dry liners
• Plumbing & heating engineers (not industrial) (subject to £500 claim excess)
• Shop fitters
• Sign writers/erectors

Policy features:

• Public Liability - £5million
• Products Liability
• Tools 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
• Employers Liability cover - £10m
• Defence costs for breach of statutory duty giving rise to injury
• Health and Safety at Work 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

Their website (at Oct. 2010) advises that the above details of cover are meant as a guide only. up ⇑

Direct Line

For tradesmen or contractors working mainly at clients' premises, Direct Line's Tradesman Insurance provides straightforward public liability cover with the option to buy Employer's Liability cover for up to a maximum of 10 manual workers.

You can cover up to three trades on the standard policy - if you have more you need to contact them direct.

A major attraction is the 0% interest on monthly payments for the first year (correct at Oct 2010).

Policyholders can also take advantage of free help lines for:

• Business advice
• Business legal advice
• Health and medical assistance
• Stress counseling

Policy features:

• Public Liability - £1m, with the option to increase this to £5m
• Optional extras
• Employers liability - £10m
• Injury to working partners (for business partnerships)
• Tools and equipment - up to £5,000 per worker

You're not eligible to apply if:

• You use cranes, hoists, passenger lifts, escalators and scaffolding unless erected by a specialist scaffolding contractor.
• You use hazardous substances (eg anything that causes dust or plume, radioactive materials, COSHH listed substances)
• You work in hazardous locations (eg oil rigs, power stations, airports, docks, quarries)

Foreign workers whose main residence is ordinarily outside the UK aren't eligible for Employers Liability cover. up ⇑

Allied Trades

Holgate Corporate Risks

A trading arm of Holgate Insurance Brokers Limited, Hornchurch-based Holgate Corporate Risks specialise in liability cover for the sole trader "handyman" through to high risk trades such as asbestos removers, demolition contractors and skip hirers.

Founded over 40 years ago, they've been in the business a long time, but you can't buy policies from them direct - you have to go through a broker.

They may be worth checking out if they are true to their blurb and can come up with individual insurance solutions as opposed to a one size fits all insurance product.

Trades they insure are:

• Asbestos Removers / Surveyors
• Building Trades
• Cleaning Contractors
• Computer Trades
• Consultants (all trades)
• Contractors
• Demolition Contractors
• Engineering Risks
• Excess Layers
• Form / Shuttering Contractors
• Forestry Contractors
• Lift / Escalator Engineers
• Metal Dealers
• Motor Vehicle Breakers
• Pest Controllers
• Roofing Contractors
• Scaffolders
• Scrap Metal Dealers
• Security Guards
• Skip Hirers
• Steel Erectors / Fabricators / Welders
• Steeplejacks
• Waste Transfer Sites
• Wholesalers
• Window Cleaners

holgateinsurance.co.uk up ⇑

Small Tradesmen Insurance

Morethan Business

Part of the RSA Group, MORE THAN BUSINESS provide insurance for small tradesmen and contractors with up to 5manual workers that you can buy online.

A major attraction for cash strapped small businesses is that you can pay the premium in interest free monthly instalments.

All call centres are based in the UK and if you do need to call them, it'll be on a free 0800 number, which is good to know.

Policy features:

• Public liability cover - £1m or £2 million
• Free help lines for legal, PAYE and Tax advice

Optional extras:

• Employers Liability Cover - £10m
• Tools and equipment in transit, at home or on site, from £500 - £10,000

For businesses with more than five employees, with premises to insure, MORE TH>N offer a Contractors All Risks package. For this you need to speak to one of their advisers directly.

You can fill in an online quote form, or leave your details and they'll call you back. up ⇑

Tradesman Saver

Operated by Croydon-based independent brokers Henry Seymour & Co (Barkdene Ltd.), Tradesman Saver specialise in providing insurance for self-employed tradesmen and businesses.

Open to firms with up with up to 10 employees, you get access to a free legal services website with help for drafting legal documents including employment contracts and health and safety policies plus:

• 24-hour legal and tax helpline
• Confidential staff counselling helpline

Policies are provided by Arista Insurance Limited and underwritten by Lloyds of London.

Policy features:

• Public/Products liability - £1m, £2m or £5m
• Business contents - from £5,000 - £20,000
• Tools (per person) - from £500 - £5,000
• Business Legal Expenses cover - £100,000

Optional extras:

• Employers' Liability - £10,000,000 cover
• Cover for working partners
• Cover for temporary staff
• Damage to business contents stored at your premises - up to £20,000
• Damage to tools & business equipment away from your premises - up to £5,000

A significant number of trades can be covered and you can apply by filling in an online form and get cover in less than three minutes or by phone. tradesmansaver.co.uk up ⇑