Tradesman Liability Insurance is a policy that has been designed to cover the risks that you may face while performing your trade.
It covers your legal liability to members of the public if they are injured, or their property is damaged, as a result of your negligence.
The list of trades that benefit from this kind or insurance is extensive. Trades such as:
The common indemnity limits for Public Liability insurance are £1 million, £2 million or £5 million.
If you need a higher limit than this, then we can arrange an Excess Layer Insurance policy, also known as excess of loss insurance. Excess layer insurance is there to help you when you need cover that exceeds the limits of a standard policy. It indemnifies the Insured 'in the terms of the primary policy' provided that the indemnity under the primary policy is to be paid in full. It is not uncommon to have several excess layer policies and, in each case, it is necessary for the underlying insurance to be exhausted before the indemnity under the next excess layer is "triggered".
If you have people working for you, as well as protecting your clients, you can also include Employers' Liability cover. If you are an employer, then you have a legal responsibility for the health and safety of your employees. Employers' Liability cover is a legal requirement for most businesses employing staff in the UK.
The indemnity limit for Employers' Liability cover is fixed at £10 million.
You could also add the following covers to your policy:
Contact our Commercial Team on:
Telephone number: 01158 400 700
Email: paul.chillman@brownbevan.com