Why is Tradesman Insurance necessary?
Nobody wants to think that they’ll make a mistake in their work, but unfortunately, as we all know, things don’t always go as planned. As a tradesman, should something go amiss as a result of an accident or negligence on your or someone in your business’ part, then you may be liable for costs of the resulting damage.
Things like spilling paint on a client’s carpet, accidentally hammering a nail into a pipe or causing a fire while using heat equipment are all examples of situations which can give rise to a claim.
The only core cover which comes as standard with a Tradesman Insurance policy is Public Liability cover; this covers bodily injury and/or property damage to a third party while you are carrying out the works.
However if you employ anyone outside of your immediate family, you are legally required to have Employers Liability which can easily be added to your policy.