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Comparing Tradesman Insurance Policies: What to Look For

Rhino Trade Insurance 19 January 2023

As a tradesperson, it's necessary to have adequate business insurance to safeguard you from a variety of risks. Naturally, having insurance is essential for all businesses. Still, considering the additional risks and dangers associated with tradespeople's work, you will understand why we emphasise the importance of coverage.

At Rhino Trade Insurance, we spend our days discussing the value of tradesman insurance with various tradespeople and today, we want to share that information with you.

What is it?

You'll need trade insurance if you're a tradesperson working for yourself or running a small business with employees. 

A trades-specific insurance policy may include a myriad of cover options. It concentrates on safeguarding workers from the threats posed by your particular industry whilst also taking into account the needs of your business. It can cover areas like legal fees, equipment and tools used in your job, and accidents involving you or an employee in varying degrees.

Who needs it?

Anyone who works for themselves and has a skilled professional, such as:

To make a bespoke policy that fits the specific risks that your company faces, you can include a variety of cover options tailored to your trade. Our policies can protect you if you work for yourself or manage a fleet of tradespeople. Whatever your needs, Rhino's insurance experts can sort you out. 

What does it cover?

What exactly is covered by your Tradesman Insurance? It's best to understand that nothing in life is a certainty. On top of this, certain trades have been identified as the riskiest jobs in the UK. Rhino has therefore put time and effort into learning about each trade individually and what they do daily. That's where our foundational cover: Public Liability Insurance, started. This type of policy is the most vital piece of insurance you will ever buy.

Public Liability covers you if your work causes a customer or third-party injury, damage or accidental death. We offer indemnity starting at £1 million, £2 million and £5 million. The level you choose will depend on the size of your business and the risks involved. 

We have even simplified things for you by setting a standard excess of £500 on any claim that does not stem from the use of heat. We also allow you to change any necessary information or upgrade your current policy without paying any administrative fees - because who does that these days?

Building upon your Public Liability policy, tradesmen and women like to ensure their tools are safe and sound. Rhino's Tools Insurance is an extremely popular add-on to your cover as it protects your vital weapons from being stolen, lost or damaged. 

If the worst should happen and your tools are stolen, you can get up to £7,500 of coverage from our Tools Insurance. This includes the cost of servicing, restoration, or getting new tools delivered ASAP. We want to help you back to work as soon as possible because your tools are essential to your job - without them, you simply can't work. Adding this policy to your current cover is so simple and straightforward. Give our team a call today, and they will be able to assist you: 0116 243 7904. 

Working on-site can be risky, with dangers and surprises that could injure and prevent you from working. Our Personal Accident and Income Protection Insurance policies come in handy in this situation.

If you have a severe injury and cannot work or want to insure your income, either one of these policies will help pay for any financial losses you incur. Depending on the level of coverage you select, Personal Accident Insurance will pay you a one-time lump sum, and Income Protection Insurance will pay you a monthly sum. 

Although neither option is required by law, it makes sound business sense to include this in your trade insurance policy. As a self-employed tradesman or business owner, It helps provide that crucial peace of mind knowing that you are financially secure if you are injured and unable to work. 

We also provide a handful of other worthwhile cover options for your trade business; these include: 

Professional Indemnity Insurance

Anyone who provides designs or advice as part of their trade needs Professional Indemnity Insurance. You could be held liable if the client experiences financial difficulties due to this advice or design needing to be corrected.  

Contractors' All Risks Insurance 

CARS protects any of your work on a construction site, including the contract value and plant and machinery on-site. This is covered no matter if it's owned or rented. 

Legal Expenses Insurance

Our Legal Expenses Insurance is a safety net for those in the trades that need legal defence and representation. Should a claim end up in court, you will need help, and this cover enables us to assist you. 

How to compare policies (costs and exclusions)

The specifics of your policy will depend on several factors, including your trade, the level of cover required, your business, and any equipment you wish to insure. As a result of this information, we can give you a price for your policy. Remember, the cost of trade insurance can vary depending on the options and level of coverage you request.

Remember always to read the policy documents provided by Rhino or your current insurer. This will help you learn more about what is excluded from your coverage. What's more, in the event you file a claim. You won't have to worry about unpleasant surprises because you will know exactly what is covered.

Why choose Rhino Trade Insurance?

We at Rhino are committed to providing top-quality trade insurance to tradesmen and women across the UK. We have created thousands of distinct policies for various tradespeople around the country, whether they are gas engineers, locksmiths, gardeners, plumbers or bricklayers. If you can't find your trade on our website, give us a call, and we'll see what we can do for you! 

We've created this handy online quote engine to make the process as quick and effective as possible. All you have to do is enter a few minor details, and you are away! Fancy speaking to one of our rockstar insurance staff? Call our trade insurance team on 0116 243 7904. We are available six days a week and ready to answer any questions you have. 

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