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Bateman Group Logo

Tradesman Insurance

    Tradesman insurance is an essential part of cover for most self-employed tradespeople undertaking a skilled trade.

    Why choose us for your Tradesman Insurance

    The cover we offer not only covers just your liability to the public but both that and your employees along with any particular products you may develop and sell on to a retailer. On a day to day basis, every tradesperson is at risk of a liability claim whether this is to the public or to an employee, that with health and safety becoming more stringent across the UK and people claiming more on injuries this level of cover can protect you in all aspects of your work.

    Tradesman cover can also cover your equipment and tools as well as any hired in plant equipment and sub-contractors you may have, dealing with large contracts in place. It can also cover any high-risk trades you might participate in like the use of heat especially if you are a mechanic doing welding or a plumber installing pipework to a new property. There is also cover for any height work your business may carry out, so scaffolders and hazardous locations like bridges and cranes the cover can also extend to depth work especially if you’re digging foundations or installing underground pipes.

    So you can see that with Tradesman cover there is a lot more to it than just public liability and will protect you and your clients on a comprehensive basis for the work that you carry out.

    Helping the UK with Tradesman Insurance since 1967

    Why The Bateman Group?

    • Established since 1967
    • Personal service – nominated point of contact
    • Annual reviews
    • 100% independent consultants with access to whole of market
    • Capacity & experience to place non-standard/specialised risks
    • Experienced ‘in-house’ support team
    • Swift issue of policy documentation
    • Rapid claims handling
    • 3,000 clients across the UK

    Cover includes areas such as:

    • Public liability cover (up to £10 Million)
    • Employers liability (up to £ 10 Million)
    • Tools & equipment cover
    • Contract works cover (cover for the hired-in plant also)
    • Cover for hazardous locations
    • Cover for heat work and installations

    Optional cover can include:

    • Personal accident cover
    • Legal expenses cover
    • Cover for your commercial fleet or single commercial vehicle
    • Cover can be included for your premise

    Tradesman InsuranceFAQs

    What is Tradesman Insurance?

    Tradesman Insurance is a package for self-employed people undertaking a skilled trade, that would cover various areas of liability, such as employers, building, legal and many more all in one simple premium. Please get in touch with us to discuss all areas of cover and your options in full, or simply complete our online quote form.

    Why do I need Tradesman Insurance?

    Making sure that you are fully covered in all risk areas is our highest priority for your business. We package everything you require in one simple premium, so you can rest assured that we have assessed all areas there could be a potential claim, so you are covered in any unfortunate circumstances.

    What does Tradesman Insurance cover?

    Our Tradesman Insurance package covers a range of liability and business insurance, such as public and product liability, business interruption, fire & theft, legal expenses, computers, stock, and many more which we will confirm on your quotation.

    How does Tradesman Insurance work?

    The Tradesman Insurance package is a selection of covers that your business would require to be fully protected in case of any risks that become claims which you’re exposed to on a daily basis. The way in which we work out the best Tradesman Insurance package for you, is we take the time to understand the uniqueness of your business and risks it regularly faces, so we can then build the right bespoke insurance package that would protect you in any of those unfortunate circumstances.

    What if I have had claims in the past?

    When a quote is put together for Tradesman Insurance, we asses your business on an individual basis depending on a number of factors. If you have had claims in the past, we are still able to provide insurance for you, once we establish the whole picture of the risks involved within your business.

    Setting in place risk preventative measures and procedures can dramatically reduce the chances of the claimed risk happening again. These efforts can also help increase the number of insurers that we are able to approach to provide you with the most comprehensive and lowest priced Tradesman Insurance package in your current state of business risk and previous claims.

    Is it required for my business to have ‘Employers’ Liability Insurance’ if I employ staff?

    If your business employs any staff, such as full-time, part-time, labour-only subcontractors, or even volunteers, then it is a legal requirement for your business to have employers’ liability insurance as part of your Tradesman Insurance package. This certificate of insurance should also be prominently visible or at least accessible electronically to all employees within your business.

    Can you cover high-value contents and stock?

    Yes, we are able to provide this cover as part of your Tradesman Insurance package. Insurers will be looking at the type of stock you hold, the value, your business location, any security measures you have in place to prevent any unfortunate circumstances. These are some of the factors that can fluctuate the premium to protect you against these kinds of claims.

    How can I correctly value my contents & stock?

    Regarding general contents, this would equal today’s market value of the items. For stock, this would be calculated on the replacement value to you as the business. This would depend on where you are in the supply chain and various other factors that enable your business to purchase the insured goods at your current rate.

    How can I correctly value my building?

    The value of your buildings sum insured is calculated based on the cost of how much it would take to rebuild the property to you as the business, rather than today’s market value. This would include the labour and the materials, especially if you are able to source the required work at a reduced cost. Don’t forget to take into account other areas such as design costs, legal fees, professional advice, planning, site clearance and removal expenses.

    Do you provide Tradesman Insurance in monthly instalments?

    We are able to provide most types of Tradesman Insurance packages in monthly instalments. Please don’t hesitate to get in touch with one of our insurance experts who will be able to advise on the best solution to ensure the full protection of your business. Please start an online quote at the top of the page or call us on 01926 495 113.