A guide to self-employed Tradesman Insurance cover
You could write a list as long as your arm for all of the trades out there. Whether you are a plumber, joiner, carpet fitter or window glazier, all trades have their own individual perks and therefore require a tailor made approach to their insurance.
Here at Rhino, we specialise in tradesman insurance that protects the army of self-employed tradesmen and women across the UK. With over 20 years of experience and many relationships built with tradies throughout the industry. We have our finger on the pulse to what you need. We have hand-designed various trade insurance options for whatever your trade is.
When setting about your day, you want to feel content that should the worst happen, you and anybody around you will be covered. That’s why today, we will take you through a guide to self-employed tradesman insurance and what it entails. Strap yourselves in.
What is self-employed Tradesman Insurance
If you are working in the trade industry, you undoubtedly have skills and expertise that others simply do not possess. In the UK alone, there is a 5 million-strong army of you helping us mere mortals get through the day sane. Whether that’s keeping us warm, bringing power to our homes or making sure that the water keeps running for our baths and showers.
On a daily basis, you have plenty to keep you busy without having to worry about financial loss through a compensation claim. That’s why making sure your tradesman insurance policy is in order, as nothing in life is a sure thing. You might be the smoothest operator in the land with all the old tricks up your sleeve. But having some form of Tradesman Insurance in your arsenal is a vital commodity to your trade business, as things can and will go wrong.
What does Tradesman Insurance cover?
Tradesman Insurance is a blanket term - and is something that covers every trade under the sun. Each trade has its own risks and hazards attached to them, so there’s no one-size-fits policy. That’s why Rhino Trade Insurance have honed their craft and developed the best possible coverage options for each individual trade. We offer tradesman insurance cover options for:
Our most popular tradesman insurance cover policy is, without a doubt - Public Liability Insurance. It is the grandmaster of all policies for tradesmen and women. This is a critically important piece of insurance for any self-employed tradesman as it grants you protection when working on a customer's property or on a worksite.
Public Liability Insurance acts as a safety net for any tradesman that causes damage to a customer’s property or injures a member of the public/ third party because of their work. In an industry rife with things going wrong, it’s right to have the correct level of cover in place as risks will occur daily.
This is where Rhino Trade Insurance comes to the table. Our UK team based in Leicester have dedicated copious amounts of time to create the best possible cover for tradesmen. To better understand our Public Liability Insurance for Tradesmen, here is a handy list of what to expect from our cover:
- The best insurance protection available starting from £6.07 per month!
- We offer cover for £1 million, £2 million, and £5 million (big spenders)
- A standard and straightforward excess of £500 for any claim that isn’t a direct result of the use of heat.
- Easy for you to increase your current policy if your business goes into orbit. Also, need to change your details? Get in touch, and you won’t receive any admin fees.
- The way it should be: set up interest-free monthly payments.
- Talk to a human in the UK now and purchase over the phone or simply online.
- Once signed up, gain access to all your documents and certification instantly via your online account. That’s the way, aha aha we like it!
What else does Tradesman Insurance include?
As we said above, every tradesman in the UK will have slightly different needs depending on what they do. All come with their own varying levels of risks and hazards. In the years we have spent covering thousands of tradesmen, we have found these personalised insurance policies to be the most sought after among tradespeople:
- If you offer design advice as part of your work - Professional Indemnity Insurance
- Get your machinery or contract value insured now - Contractors’ All Risks Insurance.
- Facing a legal claim? This policy is for you - Legal Expenses Insurance.
- Carrying expensive tools? Can’t risk being out of work if they are stolen? - Tools in Transit Insurance
- A smashed iPhone or broken laptop is no good - Gadget & Mobile Phone Insurance.
- Got some tax issues or need cover in case of an enquiry - Tax Enquiry Insurance
- Sick or injured and can’t work? You still need paying - Personal Accident & Sickness Insurance.
Things to look out for when choosing Tradesman Insurance?
There are a handful of things to consider when deciding on the right level of cover you need. Here are a few things that can be confused and that you need to keep an eye out for so that you are fully covered the next time you go to work:
Use of Heat
This is a common trait of plumbers, heating engineers and gas fitters dealing with boilers. Anyone using a blow torch, heat lamp or soldiering equipment for their work should know that this all-important factor is covered under our Public Liability Insurance policy.
It’s best to know that all insurance liability policies will come with a height limit. And as some trades like bricklayers or glaziers can work at tremendous heights for an extended period of time, your policy may become void if you go over the limit. Rhino’s cover will protect you up to a height of 15 metres.
Most insurance policies will have a depth limit attached, so if you know that you will be working at a certain depth for most of your day, it’s best to make sure your liability insurance covers you for that. Get to know your depth limit by checking your policy documents and if you need a specialised depth limit question answering, get in touch with one of our experts now.
Commercial / Domestic Use
From time to time, any tradesman could be required to work in commercial and domestic environments. For this, you should always check with your insurance provider that your tradesman insurance covers you for both domestic and commercial work. Contact Rhino now and see what we can do for you if it doesn’t.
Tradesman Insurance needed? Enquire now!
What are you waiting for? Calling all tradesmen and women, it’s time to get your Tradesman Insurance cover sorted! Our UK based trade insurance specialists work six days a week and are waiting to help your business get the right cover at the best price available.
For any new or current customers looking to add to their existing trade insurance policy, we have designed simple and transparent policies with you at the forefront of our minds. Get a taste of what we have to offer by calling us now on 0116 243 7904 or get a straightforward quote via our handy online shop now - time yourself. We bet it takes less than 60 seconds!