Will cover you against any injury caused to your customers or the public or damage to their property as a result of your work.

Claims Example: An electrician incorrectly installed a heating system causing a fire in a commercial premises. Claim made: £45,000.

Employers Liability Insurance

Will cover your employees against accident, injury and death sustained whilst working for you. If you have employees (or part time staff & subcontractors) a minimum £5,000,000 employers liability cover is a legal requirement.

Claims Example: A sub-contractor builder fell of a ladder whilst repairing a masonry structure, suffering injuries. Claim made: £15,000.

Tools Equipment Insurance

Will cover you for lost or damaged tools and cover against trade materials.

Claims Example: A contractor had a tool kit stolen whilst working on a building site. Claim made: £2,500