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Public Liability Insurance Vs Contractor All Risk Insurance: What Is The Difference?

Rhino Trade Insurance Monday, 7 March 2022

Trade Insurance can quickly become a minefield. Insurance jargon, terms and conditions and different levels of cover can all turn you off quite quickly. Let's look at the differences between Public Liability Insurance and Contractors All Risk Insurance and break these policies down into something more accessible and concise. What are both insurance policies for? What are the main differences? And do we really need just one or the other, or can...

Labour Only Vs Bona-fide Subcontractors: Do you have the Correct Insurance Cover?

Rhino Trade Insurance Wednesday, 2 March 2022

Let's paint a little picture for you of what a Subcontractor is. The company is called Big Dave's Building Services, and the owner is one David Smith. Now Big Dave has a whole host of work going on and clients waiting in line for his services. He employs a couple of young lads to help manage the workload - They are with him full-time. Big Dave also needs the services of other trades for his projects. They are called Subcontractors, and once th...

What Type Of Insurance Do Builders Need?

Rhino Trade Insurance Monday, 28 February 2022

If you are a UK based self-employed builder looking for trade insurance, then you have come to the right place. Rhino Trade Insurance are one of the best and most cost-effective trade insurers around and have been hard at work creating tailormade insurance policies for a whole manner of trades, including builders.

Importance Of Public Liability Insurance For Self Employed Tradesman?

Rhino Trade Insurance Friday, 25 February 2022

You might have heard about Public Liability Insurance before. You may even have taken out a policy in it but not understand what it is or what it covers. You might even be thinking, "it's insurance. Do I need to care about it?". We're here to share a short snippet on the importance of Public Liability Insurance for self-employed tradespeople. What is it? Do you need it? Will you get more clients with it? And much more.

What Insurance Do I Need As Tradesman?

Rhino Trade Insurance Wednesday, 23 February 2022

The team at Rhino HQ have been inundated with requests for a full-scale, A-Z bible of all the insurances a self-employed tradesperson can get. What are they all? Are they needed? Are they useful for your line of work? All your questions will be answered below!

What Is Personal Accident Insurance?

Rhino Trade Insurance Monday, 21 February 2022

Here we are, back again with another helpful blog post. What’s on the agenda today? That all-important Personal Accident Insurance cover. What the heck is that we hear, you ask? Well, grab a brew and let’s explain what it is, what accidents it covers you from, why you need it and what level of cover you need.

Rhino Trade Insurance Partners Up With Band of Builders

Rhino Trade Insurance Thursday, 17 February 2022

The team at Rhino Trade Insurance are toasting to a new partner today - Band of Builders. Our feelings for this partnership are perfectly summed up by the great John Motson, "back of the net!"

How To Protect Yourself When Hiring A Subcontractor?

Rhino Trade Insurance Wednesday, 16 February 2022

In the fast, hustle-bustle business of contracting trade workers, you may be wondering what's the best way to find the best subcontractors. Do you look online, do you ring around your contacts, or do you go old-school and whip out the yellow pages?

Do Subcontractors Need Their Own Insurance?

Rhino Trade Insurance Monday, 14 February 2022

Having the right level of Subcontractor Insurance in place is vital. Not only does it make sound business sense, but it also helps you sleep easy at night knowing you have a safety net in place. Even if the main contractor says they are sorting out all of the fine details, various liabilities may not be covered, so it's better to check before starting work on the job.

5 Reasons Why Self-Employed Tradesmen Need Insurance

Rhino Trade Insurance Monday, 7 February 2022

There are many reasons why a tradesman will need insurance cover. Whether it’s due to you having employees, working on a customers site or needing it because of those darn regulations, it always comes in handy at some point (especially if you have a claim made against you). Here at Rhino Trade Insurance, we have a vast catalogue of trade insurance options, all that can be tailored to your business practice and needs. That’s why you should cons...

What is Tradesmen Insurance?

Rhino Trade Insurance Thursday, 3 February 2022

Each trade is different. Different risks, different materials, different tools. But all tradespeople have something in common; without a solid trade insurance policy covering their back, they’re left extremely vulnerable.

What Insurance do I need as a Self-Employed Plumber?

Rhino Trade Insurance Wednesday, 2 February 2022

As a self-employed plumber, you will understand the significance of a good day's work. Whether you're re-plumbing a bathroom, fitting new pipework or flushing out a water system, it's the minor details that make a job right. As you're running your own business, you'll understand the need for a quality plumbing insurance policy to be the glue between yourself, your work and your customers.

Do I need Public Liability Insurance and is it a Legal Requirement?

Rhino Trade Insurance Monday, 31 January 2022

At Rhino Trade Insurance, we have designed tailormade policies for almost all trades. Whether you are a hardworking plumber, dedicated electrician or steadfast bricklayer, we have come up with the best levels of cover at the most affordable prices. But what insurance do you need? Is Public Liability Insurance compulsory? We answer all your questions in our blog below!

Public Liability Insurance in a Nutshell

Rhino Trade Insurance Wednesday, 26 January 2022

By reading this article, here's the challenge: in less time than it takes you to make a cup of tea, you'll know all there is to know about Public Liability Insurance.

How To Keep Your Tools & Equipment Safe as a Tradesman

Rhino Trade Insurance Monday, 24 January 2022

As a tradesman, your tools are make or break when it comes to your livelihood! Without your tools, you wouldn't be able to fulfil your work. That is unless you want to go back to the dark ages of using your hands for every part of your work! It's for this very reason that having your vital pieces of equipment stored safe, insured and kept out of harm's way is the best way forward. So, let's work out how to prevent any issues arising with your...

Reasons Why Tradesman Need Legal Expenses Insurance

Rhino Trade Insurance Friday, 21 January 2022

It is essential for anyone operating as a sole trader or limited company in the UK to protect themselves against the multitude of pitfalls that face the self-employed. Most duties and responsibilities are widely known; submit your tax return on time, make sure you record your expenses, and get sufficient public liability insurance in place, but for tradespeople, some common dangers can be overlooked. Legal disputes such as debt recovery (that...

Contractors All Risks Insurance - What is it?

Rhino Trade Insurance Wednesday, 19 January 2022

Here we are, Rhino Trade Insurance, back again with the best god 'damn trade insurance blog on the world wide web. We know insurance can sometimes get a bit dull, but we are here to spruce things up and share all about Contractor's All Risks Insurance. Let us take you on a bit of a journey about what exactly it is, its purpose, why include it in your policy and who would benefit from it. Let's get ready to rumble!

What is Professional Indemnity Insurance?

Rhino Trade Insurance Monday, 17 January 2022

A reasonably common claim that the Rhino Trade Insurance team hear about is when a tradesman is alleged to have given out some dodgy advice to a customer. You might feel pretty aggrieved at the thought of this, and even with the best intentions, the most experienced among us can get things wrong. That’s where one of our popular (but under that radar) cover options comes into play.

The Ultimate Guide to Insurance for Tradesmen

Rhino Trade Insurance Monday, 20 December 2021

Here at Rhino, we speak to tradesmen and women every day of the week. We understand the many risks and hazards different trades face every day. We hear countless stories of injury, damage and potential death occurring regularly. Have you ever wondered what would happen if you couldn’t work due to an injury? Or how you would pay for a hefty compensation bill if you damaged a customers property?

How to claim on your Public Liability insurance?

Rhino Trade Insurance Friday, 17 December 2021

If you are wondering how to claim on your Public Liability Insurance, then you’ve come to the right place. At Rhino Trade Insurance, we pride ourselves on being as transparent as possible. We offer some of the clearest trade insurance policies on the market and don’t bother confusing you with all that hard to understand insurance jargon. So, if you’re wondering what to do should an accident happen on-site, who to contact, what information you...