Optional extensions including Employers Liability, Stock, Contract Works, Owned Plant and Hired in Plant
Personal Accident and Jury Service cover extensions available (subject to product selected)
Tools cover with 24 hour protection available
Public Liability cover of £1M, £2M or £5M available
We cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships
We cover over 70 trades in the building and construction industry
Cover for an additional, or secondary, trade is available
You can insure a total of up to 15 employees or trainees
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Flexible levels of Public Liability cover
We offer 3 levels of Public Liability insurance cover - Essentials, Classic and Plus - underwritten by major insurer Zurich. This policy is designed to offer protection for tradesmen in the construction industry. The 3 levels are:
Essentials is a quality liability product with Public Liability limits of £1M, £2M or £5M, covering businesses with up to 15 Employees, and a turnover up to £1.5M. If you have Employees, £10M of Employers’ Liability cover is automatically included, which also includes 100 days of Temporary Employee cover. If you have more than 15 employees or an annual turnover greater than £1.5M, please ring us.
Classic extends Essentials cover by including £1,000 of Tools cover for the first employee, which can be increased to £15,000, as well as Professional Indemnity cover of up to £50,000 to help cover your professional advice.
Plus cover builds on Essentials and Classic by including Personal Accident, designed to pay a weekly sum if you are unable to work as the result of an injury sustained at work.
A range of Optional Extensions
To further extend your policy you can add Jury Service cover (designed to pay the policyholder £250/ day for 10 days while performing Jury Service, and £50/ day thereafter), Stock in Trade & Transit (available with Tools cover), Contract Works, Owned Plant and Hired in Plant. There are also trade specific extensions available, such as Electrical Contractors Wiring Certification.
To get a quote for Tradesman’s Public Liability insurance cover, please either click here for an online quote, ring our helpful and knowledgeable team on 08000 280 380, or choose your trade from the list above.
Insuring against the unexpected
However careful and prepared you are, accidents can happen, and the financial implications can be significant for you and your business. Public Liability insurance is designed to pay the legal costs and any compensation payments that your company could be liable for should you or one of your employees cause damage to property, or injury to a person in connection with your business. Unfortunately, there are many other instances where you can sustain a financial loss: Your tools may be stolen, you could suffer a workplace injury and cannot work as a result, owned or hired-in plant may be stolen, or you may be required to perform jury service. With the right insurance in place, the financial impact of such events should be lessened. Help protect yourself by choosing quality business insurance.
A quality Public Liability product
You won’t find our Public Liability product anywhere else. It has been developed specifically for us, and is backed by Zurich – a major name in the insurance industry. The combination of covers available, the limits that you can choose and the locations covered can’t be found anywhere else. Our product and service are a hard to beat combination.
A name you can trust
At Trade Direct, we’ve been insuring tradesmen and businesses for over 30 years, so we know a lot about the insurance needs associated with the building and construction industry. We insure over 70 different trades and professions, and we have over 40,000 customers who have chosen us for our quality product, first class service and trade prices. We’re proud of our customer service, and are available from 08:00 to 20:00 Monday to Thursday, and 08:00 to 18:30 on Friday, so you can organise your insurance at a time that suits you.
Why do I need Public Liability insurance?
You and your company may be financially liable for the result of an accident caused by you, your company or a contractor either at your premises or elsewhere. Public Liability claims can be very expensive, which could have a major impact on you or your business. As well as giving you peace of mind, many companies and trade associations require evidence of Public Liability insurance.
Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.
Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.
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Why choose Trade Direct Insurance
Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)
What our customers said about us
98% were satisfied in their overall dealings with Trade Direct
100% were satisfied that they could contact Trade Direct at a convenient time
100% were satisfied that they received the policy they had been led to expect
94% would definitely use Trade Direct again
96% would recommend Trade Direct to others
(Customer Satisfaction Survey 2014)