What levels of cover do you offer?

We offer three different levels of product, and these packages have been carefully designed to meet the varying needs of tradespeople and small businesses:

Essentials

Essentials is a unique and comprehensive product, with Products and Public Liability insurance at its heart, and Employers’ Liability included as standard if you have employees. In addition to this core cover, you have the option to add a range of optional extensions, such as Jury Service, Contract Works, Hired-In Plant and Owned Plant.

Classic

Classic builds on Essentials, with Professional Indemnity cover included within the policy, as well the first £1,000 of Personal Tools cover (which you can increase), and other benefits designed to pay a lump sum should you die, or if you lose a limb while at work.

Plus

This is our most comprehensive product level, adding to the features and benefits included in our Essentials and Classic products. It includes Personal Accident cover, which is designed to pay a weekly sum to workers noted on the policy should they be unable to work due to an accident at work.

The personal accident weekly benefit shall be payable for not more than 104 weeks (excluding the first 14 days) in respect of any one injury.