Tradesman insurance

If you take out public liability or employers' liability insurance with us, you'll automatically get cover for temporary employees, if you use them.

The maximum number of days we cover temporary employees for will vary depending on the number of manual workers in your business.

• 1 – 5 manual workers - 60 days
• 6 – 10 manual workers - 100 days
• 11 – 15 manual workers - 150 days

Please note that the maximum number of days reflects the total number of days worked by all of your temporary employees. So if you have seven manual workers in your business, we will provide cover for 100 days worked by all temporary employees in total.

If you're concerned about your tools getting stolen overnight, you can upgrade your tools and business equipment cover to include 24-hour tools cover for an additional premium.

In order to obtain overnight cover, when you get a quote online, you will need to answer 'Yes' to the following question: 'Our standard cover excludes theft from a vehicle overnight. Would you like to add cover for overnight theft of your tools and business equipment from a vehicle?'

Cover conditions: your vehicle must be secured at all points of entry and any alarms or immobilisers must be set. Tools must be hidden from view and removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, handheld survey equipment etc.

Cover limit: there is a limit of £10,000 per claim and a single article limit of £1,500.

Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £100 up to a maximum contribution by you of £500.

Own plant covers larger items of machinery owned by the business, such as cement mixers, diggers, mini-diggers, dumpers, excavators, generators, trailers and temporary site huts and caravans. This does not include regular items in your toolkit, like a hammer.

We can cover this machinery for theft and damage due to an insured event e.g. fire. We do not cover machinery that has been damaged due to wear and tear.

Cover limits:

• Up to 5 workers – £75,000
• Up to 10 workers – £100,000
• Up to 15 workers – £100,000

There is a single article limit of £50,000.

Excess per claim - £250

This covers work that is in progress that is damaged by an insured event, such as a fire, flood, vandalism or theft. We can cover the costs required to repair or redo the work.

For example, if you're a builder working on a house and a fire destroys part of the house five months into a six-month contract, we can help you to complete the contract by:

• covering the costs required to purchase the materials needed to finish the job
• covering the costs required to rebuild the parts destroyed by fire
• covering any labour costs to repair the damage

Cover limits:

Contract value (based on the maximum value for any one contract anywhere within the UK)

• Up to 5 workers - £750,000
• Up to 10 workers - £1,000,000
• Up to 15 workers - £1,000,000

Turnover limit - £1,500,000

Excess per claim - £500