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Tradesman Insurance - General Information
Tradesman insurance is a crucial consideration. In most cases, public liability insurance will form the heart of your policy. But this will be complemented by a range of additional covers intended to protect your property, stock, and even the building that you work from.
Public liability insurance protects tradespeople from liability in the case of injuries to members of the public, which may arise as the result of your work. Additionally, because tradesmen sell their expertise to other people, professional indemnity insurance can be useful, as it protects you in circumstances where your professional opinion results in financial loss or damages for your client.
Comprehensive tradesman insurance policies may include buildings cover, to protect companies who have their own physical premises, as well as business contents insurance for any equipment lost, stolen, or damaged in the office. Additional coverage is available for the cost of replacing tools that you take on the road or leave in a vehicle overnight.
Contract coverage can be an essential part of tradesman insurance for some people. The conditions of a contract may leave tradespeople responsible for protecting the materials and works on a site, and contract coverage can help with this.
The way you work is ultimately what will determine the level of cover you need. Other forms of protection sometimes added tradesman insurance include stock coverage, "own plant" loss, and "hired in plant" equipment. Choosing the right policy will be a process of considering the activities of your business, and what level of coverage you need as a result.