Tradesman of all kinds can benefit from BJP’s knowledgeable insurance team. With years of construction sector experience, we can provide a policy that caters to tradesmen’s real needs.
As a tradesman – whether you’re a plumber, plasterer, electrician, or anything else – you know there are no one-size-fits-all solutions. Every client is different and each job requires a slightly different approach. That’s not to say you don’t rely on your experience to fix common problems – that’s what makes you efficient and good at your job.
At BJP, we take the same view of insurance. While our knowledge of the market and experience of similar clients help us to find you a quality Tradesman Insurance policy more quickly, we treat all our clients as individuals with differing needs. In a high-risk trade such as construction, this is especially important, as an accident or mistake could wipe out your business.
What is Tradesman Insurance?
Tradesman Insurance is made up of a number of different covers and can be tailored to the individual needs of your business. For instance, if you’re a mid-sized plumbing company with a mixture of part-time and full-time staff, you’ll need robust Employers Liability Insurance; whereas if you’re a sole trader, your policy will focus on the other liability covers (Public and Product), and may include insurance for your van.
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What’s included in a Tradesman Insurance policy?
Let’s take a look at the most common covers included in a Tradesman Insurance package:
Tradesman Public Liability Insurance.
This is one of the most vital covers for all businesses, big or small – but it’s especially important for tradesmen due to the fact you work with potentially dangerous tools and machinery. Imagine if a client’s child were to injure themselves with one of your tools, for example. You could be held responsible and sued for the accident, even if you felt it wasn’t your fault. Public Liability Insurance would lessen the financial impact, and could well save your business.
Employers Liability Insurance.
If you have people working under you, even just on a casual or apprenticeship basis, Employers Liability Insurance isn’t just a wise idea but a legal requirement. Like Public Liability Insurance, it protects you against lawsuits arising from injuries or death – only in this case, from one of your own employees.
Contract Works Cover.
This provides protection against a wide range of risks – from power cuts to vandalism – that may affect tradesmen working on a site. Imagine you were working on a project that was destroyed overnight by a flood, for example. Without the right insurance in place, you would probably be required to re-do the job at your own expense. Contract Works Cover will cover the cost of your time, as well as any new fittings or materials required.
You depend on your tools. If they were lost, damaged or stolen, you could lose significant income or find yourself with a significant dent in your wallet! Tools Cover will protect you by paying out for speedy repairs or replacements.
Insurance for tradesmen may also include the following covers:
- Product Liability Insurance
- Van Insurance or Commercial Fleet Insurance
- Office Insurance
Why compare Tradesman Insurance quotes with BJP?
As a tradesman, you belong to one of the most high-risk category professions for insurance. This means you have to take special care when buying an insurance plan, as more disreputable insurers will look for ways to reduce the likelihood of paying out for claims – which can leave you unprotected in several key areas.
At BJP, we have long and healthy relationships with some of the UK’s most trusted and reliable insurance companies. What’s more, we can help you understand the fine print of insurance policies, so you can be sure you’re getting what you pay for.
We can help you find a quality Tradesman Insurance policy to suit your needs, at a price that won’t break the bank.
Looking for the right cover?
Speak to a member of our team about your tradesman insurance today