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Help with choosing the right cover options for your business.
Some of the cover options and extensions listed below may be included in your policy, while others may be purchased separately or added on.
Buildings and Contents
What is Covered? Your buildings, fixtures and fittings: including gates, fences, car parks, as well as underground cables and pipes. It may also include cover for stock and cash on the premises and in some cases it can also provide for seasonal stock increases free of charge.
If your business needs to close after a disaster like a flood or a fire, perhaps even after a forced entry business interruption insurance covers the shortfall in your business' income.
Goods in Transit
Cover is available as an extension on a typical tradesman insurance policy. It protects you financially for the replacement cost of goods that are lost or damaged in transit from point A to point B
Covers the cost associated with obtaining legal advice and/or the costs involved when bringing or defending a court case. The policy conditions and the amounts covered vary from insurers so check with your broker.
Personal Accident and Assault
There are several different types of personal accident cover. Personal accident only, group accident, personal accident sickness and personal accident assault all with varying levels of cover. Speak to your broker to see which policy cover options are open to you. The cover may be included or obtainable as a stand-alone policy.
Tools and Equipment
Insuring the tools you use for your trade is vital. In the main, contractors consider their work tools an indispensable part of running their businesses. You can in most cases insure your hand tools and power tools against damage, theft or loss under your general liability insurance. It is essential you choose the correct insurer and have a conversation with your broker, as not all insurers will allow tools to be added to their product.