Tradesman & professionals insurance is a form of combined insurance, designed to cover a range of risks dependent on the nature of your business.

The risks covered under this type of policy can include contractor public liability insurance; employers’ liability insurance; tools insurance; professional indemnity insurance; business and office equipment insurance; hired in plant insurance; own plant insurance; contract works insurance; legal expenses insurance, and personal accident insurance.

Contractors face similar claims risks in the workplace including accidents and injuries, damage to hired or purchased equipment, or unexpected events for which they may be held liable.

Tradesman & professionals insurance covers contractors from a wide range of business sectors including builders, IT contractors and accountants.

So, it’s important to have insurance which covers a broad range of risks.

You can normally select which risks you would like to cover, and premiums will be based on your business sector and the riskiness of the activities undertaken by your business.

A broker can help you to decide which risks you need to cover, and which elements of tradesman & professionals insurance you need to include.

Tradesman & professionals insurance policies are often available on a per capita basis, which means that the premium is calculated on how many employees you have in your business. A per capita policy can be good value for firms employing 8 to 10 people. If you decide to increase your number of employees, the premium will need to be re calculated.

At Andrew Bull Insurance Services, we work closely with trusted insurers, who can provide policies to suit a wide range of contractors. So, trust us to help you find the right tradesman & professional insurance to meet your specific requirements.