Contractors

With a wide range of products available tradesmen and specialist trades our client benefit from a tailored insurance policy to ensure your business is fully protected

Tradesmen insurance policies offer a menu of covers from which you can choose and are normally aimed at businesses with a turnover under £250,000 covering up to typically 10 employees.

Cover might include:

  • Public and Products Liability
  • Employees Liability, whether permanent or temporary, you will legally need to have Employer Liability as well.
  • Employees Tools
  • Personal accident cover

Public liability cover for Tradesmen and builders protects against injury or death of third party persons and damage to third party property from incidents arising as a result of your business activities. Employers Liability will cover you against claims from Employees following Injury or Accidents at Work

The next level up is a wage roll and turnover rated risk

If your turnover exceeds the £250,000 limit you will need to be covered under a contractors policy, with additional covers for:

  • Contractors works
  • Hired in plant
  • Own plant

And much more……

Do you really need liability cover?

Contractors cover is important for both sole traders and businesses with employees. Public liability insurance is the backbone of the policy, and is complemented by a range of other covers which can provide protection for other aspects of your business. For example your tools can be covered, as can stock, buildings or hired in plant equipment. It also can provide Employers Liability cover for your employees and/or labour only sub-contractors, which is required by law.

How simple is it getting Tradesmen and builders Insurance through Dixons?

Just give our expert advisors a call. We will go through the information required by our insurers, and answer any questions you may have about your cover. We may ask you to complete a short proposal form if necessary.

What is the process of getting Tradesmen and builders Insurance through Dixons? How long does it take?

Once we have the information from you we will approach our partner insurers to obtain the most competitive quotation with the widest cover. Each of our clients have different requirements in terms of time so however urgent it is we will work with you to meet deadlines.

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