Motor, Property and Commercial Insurance Brokers

The tradesman policy is administered by CETA Insurance and you can obtain instant online quotes for for over 200 trades. The online tradesman insurance quote system compares prices and policies with some of the best UK commercial insurance companies.

Some of the higher risk trades such as scaffolders, roofers, plumbers and gas fitters need to be assessed by the underwriter. Tradesmen looking for these trades are advised to call and speak to an advisor for a quotes.

In whatever line of work you are in there will always be associated risks - that is simply the nature of the workplace that you cannot, unfortunately, get away from. With names such as Zurich, Aviva, AGEAS, NIG and Groupama in the field, the amount of expertise is enviable.

Tradesmen will, no matter how careful they are, be open to injuring themselves or a third party - both of which could result in a heavy blow to your finances in the form of recuperation or compensation. However, there is a simple way that you can assure the impact of some back luck can be negated. By taking out a well-padded tradesman insurance policy, you can make sure that any financial burdens born out of an incident needn't cripple you or, worse still, threaten the very existence of your business.

Obviously, there are some lines of work such as roofer, scaffolding contractors and high rise window cleaners that are more open to the element of an unscheduled pitfall than others, so it is up to you as individual to ascertain exactly what threats your industry may expose you to. What is common to all is that there is a foreseeable level of risk - so without any tradesman insurance in place, they are very much toying with their livelihood.

Some of the common service providers that may require protection include builders, electricians and plumbers. You will notice that the three mentioned (it is by no means an exhaustive list) all have different skills and specialism, so deal with a variety of kit, tools and equipment for protection of which you should consider tools cover). However, all of them involve a level of risk that could affect the individual carrying out the job, such as a builder falling off the structure he is building. In the same scenario, falling debris may hit a passer-by, in which case the same protection type would ensure the builder could deal with the situation knowing they were financially looked after. This type of protection would be upheld by a tradesmen insurance agreement, which looks after the interest of third parties. From as little as £1 million to an upper ceiling of five times that, there is a range of flexibility in terms for you to muse over.

If you are a tradesman, a sole trader or even a self-employed contractor and have people working for you, then it is a mandatory requirement for you to protect their welfare also. Employers liability insurance will make sure that not only are you covered in the eventuality of harm befalling your charges, but also if they were to be the catalyst of an incident which may be of detriment to the business itself. This can be figures wise, anywhere within the region of £1 million to £10 million, depending on your premium.

Whether you are a sole trader or a growing outfit, public liability insurance is an absolute sure-sign way of softening the blow caused by events that you haven't planned for, of the unwanted variety. Even though it is not a requirement deemed wholly necessary by the law (unlike its cousin, employers liability) it should come under serious consideration. Unforeseen events can often prove to be fatal for a business' long term survival or prosperity, but by paying an inversely small amount compared to the £5 million worth of cover you could enjoy, it seems foolish not to do so.

High Risk Public Liability Insurance Trades

• Roofers

• Scaffolders

• Welders and Fabricators

• Loft Engineers

• Abseiling contractor

• Ground workers

• Demolition contractors

• Piling and pile driving contractors

• Civil engineers

• Paint Ball

• Skip hire

Did you know?

Cover is available for contractors that work at locations such as airports, offshore, power stations, railway and underground installations.

No matter if you are business, self-employed or merely a contractor; there is every chance that your work will, at some point, involve working with or around the general public, often at locations outside your normal environment. For builders there may the issue of loose bricks, for electrician's dangerous wires and even for professional, white collar roles there is the common likelihood of someone simply falling over a poorly placed stack of folders. All these could result in some sort of claim arising against you and/or your company and, for the larger companies, may be a hit they can take but for the smaller co-operations definitely not so.

It would be of pertinent importance for players in the construction industry over their desk based contemporaries to think about this sort of protection, as the occurrence of a work related injury or death is significantly higher. However, public liability insurance is for available for use by all and should be high on the list of purchases within a roomy budget.

There has been sporadic mentioned on this page about the various types of tradesman insurance available, including a spate of information on public and employers liability. Many people may be confused with the amount of products that are at their disposal and will simply dismiss the bulk of them as being the same – but they’d be wrong.

The key protective conditions of a policy will remain as standard, which form the skeletal framework of any deal. But there are other stipulations within that document which could vary to suit the specifications of the trade it is operating in.

For example, a common peril for a potential trader will be on their use – or not – of heat. For professional plumbers, painters or decorators there will often be a real necessity to use objects such as blow torches and bare flames. In that case, those individuals will need to sculpt a package that does not penalise them in the case of a claim being put forward through a problem with those uses. A number of policies will be concrete in their reluctance to letting them being uses under the terms and conditions they’ll put forward, so be careful.

On the other hand, roofing contractors would not have to worry about the use of heat. A more important issue for them would be that of height, and the potential restrictions upon that. The standard height guideline is around four stories and if you know you operate on buildings taller than that, you’ll get online for a roofers insurance policy applicable to your unique craft.

Similarly, a commercial electrical contractor will have different work processes compared to a residential one. Most electricians insurance policies will only extend to private environments, not including industrial workplaces. So, for the commercial workforce, the need to compare quotes from insurers who offer insurance for wider landscapes would be paramount.

Where it is possible to different on a trade type basis, there is also scope to do it on wider basis. The two you should be aware of are, firstly, the “per capita basis” approach and then the wage-roll and turnover procedure.

The “per capita basis” route would be appropriate for institutions with around 15 employees or so and at a static level. By getting online and comparing the magnitude of options available, you’ll definitely come up with a competitive liability insurance quote. Because it is normally a fixed deal – so there is little scope for manoeuvre – premium prices are low, making it an attractive proposition.

For those looking for a certain level of breathing space, the wage-roll and turnover options would be a better path to follow. This allows cover for new or temporary starters, ideal for a fast growing company, and an often more liberal tone to restrictions on height and substance use.