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Let's say that you are a joiner, a glazier, a plumber, a shopfitter or a builder - chances are that you are forever 'on site' or driving from one job to another. If you've got Van Insurance and home insurance already, it's understandable that you might think that you don't need any extra insurance related to your work - but this could be a costly mistake.
Footing the bill
Imagine that you are in someone's home or workplace fixing some faulty plumbing and by accident you burst a pipe and the carpet gets soaked. Your customer could, if they chose to, take legal action against you to cover the cost of replacing the damaged carpet. Even if you agree amicably to replace the carpet without any legal brouhaha, it might not be cheap.
Public liability
This is where Public liability insurance comes in - and Direct Line for Business offers just that type of cover.
Put simply, public liability insurance can cover you in the event of replacing goods or equipment damaged in the course of your work as well as in the instance of a member of the public being injured. As a Direct Line for Business policyholder, you would automatically get public liability cover of £1m pounds, so practically all eventualities could be covered.
There is no legal requirement to have public liability insurance and £1m may seem like a lot of cover, but it really is better to be safe than sorry, as the alternative is that you may end up going out of business if you are unable to make good on an accident.
Covering tools & equipment
With Direct Line for Business tradesman insurance you can also choose to have optional cover for Employers' Liability and tools and equipment. We'll explain why both of these make perfect sense if you are a tradesman.
Employers' liability offers you up to £10m of cover against compensation claims by your employees injured in the course of employment where you are held legally liable, as well as expenses and legal costs arising from such an injury.
Accidents will happen and 'no win, no fee' solicitors are forever advertising help for people who had an accident in the workplace, so again it makes perfect sense to cover yourself in this way.
With tools and equipment cover, you will be insured against accidental damage to the tools of your trade, up to £5,000 per worker. At least this way you can be sure the things that are vital to your continued success can be replaced.
Find out more about the terms and conditions of the Direct Line tradesman insurance policy (i.e. what is covered and under which situations) and get an online tradesman insurance quote from Direct Line on this website.
While you're here, why not check out Direct Line's Van Insurance? Cover is from third party only* up to comprehensive, there are deals for drivers with no claims, and you can also purchase breakdown cover at the same time.
*Please call us on 0845 246 8701 if you would like a quote for third party only van insurance.
Related information:
Types of van insurance cover - summaries of what is covered under our three levels of insurance.
Tradesman insurance FAQs - answers to questions such as does it cover van insurance? What is the maximum number of employees it can cover? And how many trades can I have on this policy?
Employers' liability insurance - all employers in the UK are required to have this type of cover.
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