Skilled tradespeople are vital in the construction and maintenance sectors. However, such professions naturally come with a high level of risk that’s not associated with less hands-on roles. As a precaution, you need to make sure you have the right insurance to cover you should an accident happen.
At Swinton, our friendly team has years of experience arranging insurance policies.How we can help
- Public Liability Insurance — from £1 million, with options to extend if required
- Employers Liability Insurance — £10 million as standard, but can be extended
- Option to include cover for temporary employees
- Contractors All Risks cover available to include Hired in Plant & Own Plant cover
- Optional separate cover for tools or business equipment can also be arranged
Builders’ Insurance
Builders and bricklayers work regularly with heavy materials in both domestic and commercial environments. Despite safety being one of your top priorities, you could face a hefty bill if someone was injured or property is damaged as a result of your work..
Thankfully, we can arrange insurance for builders, helping to provide protection for your business. We can offer Business Insurance to help meet your requirements, so you have the comfort of knowing you have cover should something go wrong.
Electrician Insurance
As a qualified electrician, you’ll have invested years building up both your business and your reputation. If injury or damage occurs as a direct result of the work you have done, legal proceedings could be very costly. That's why it's worth considering protecting your livelihood with Business Insurance.
At Swinton Business, we can arrange insurance cover for Electricians to help protect your business, so if the worst were to happen, you can rest assured that you have cover in place.
Gardeners’ Insurance
As a gardener, would you be able to afford legal costs if someone made a claim against your business for injury or damage sustained while you were working on their premises? No one likes to think the worst, but the financial implications may have a serious impact on the future of your business.
Whether you’re a sole trader or run a large landscape gardening firm, Swinton Business aims to find you a policy that suits your needs and your budget.
Joiners
As a skilled joiner or carpenter, you've worked hard to build up your business and reputation, so it's worth ensuring you have the right insurance to help protect yourself and your business. Even if you take all the necessary safety precautions, if someone was injured or property is damaged as a result of your work, you could face costly legal action.
Swinton Business aims to arrange business insurance that meets your needs as a joiner and helps to protect your business, should the worst happen.
Painters and decorators
As a painter and decorator, the nature of your job means that you spend your working day on your clients' premises, whether domestic or commercial. If a ladder fell and injured someone or you spill your paint and damage an expensive carpet, you could face expensive legal action, so you might like to consider taking out cover to help ensure your business is protected.
At Swinton Business, we arrange insurance for Painters and Decorators, so that you can carry out your work with as little disruption as possible.
Plasterers
As a plasterer, you’ll often work on private properties and construction projects that are valuable to your client — with that in mind, it might be worth considering taking out insurance so that you’re covered in case of any accidents.
Thankfully, Plasterers’ Insurance arranged through Swinton Business includes Public Liability Insurance for plasterers as standard. It protects you from the costs of a claim, in the event of an accident or mishap, and includes legal fees and the compensation itself — cover can be arranged from £1 million and can be extended as required. Please make sure you are able to cover any applicable excesses that will need to be paid as a result of a claim.
We’ll also explore any additional cover options you may need, such as separate insurance for tools, when taken with Public Liability Insurance.
Plumbers
Plumbers are exposed to a number of risks on a daily basis. An insurance policy aims to give you peace of mind that you can carry out your duties safe in the knowledge that you’ve got cover.
You also spend plenty of time on both commercial and residential properties, so you might like to consider putting protection in place should any damage or injury occur as a result of your work. Whereas resulting legal action could have serious financial implications for your business, Swinton’s Liability Cover options are designed to pay out the cost on your behalf. Just make sure you are able to cover any applicable excesses that will need to be paid in the event of a claim.
Handyman Insurance
Handyman Business Insurance could be worth considering if you carry out any property maintenance, home improvement, repairs or gardening work for members of the public in their homes or at commercial premises where the public may be present.
Fortunately, arranging Handyman Insurance is straightforward and can help give you protection and peace of mind if you cause damage to property, or your business is responsible for an accident that leads to a claim for costs against you.
Public Liability Insurance is the nuts and bolts of a handyman business. It’s a common insurance product that many small businesses like yours have, because they deal day-to-day with the public. It means your insurer can cover the costs of repairs and legal fees, should any work you carry out lead to an accident (such as a trip, spill or damage to property) and a claim is made against you. Remember, you’ll need to make sure you are able to cover any applicable excesses that will have to be paid as a result of a claim.
Business Equipment Insurance can be taken out as an optional extra with your main business insurance, such as Public Liability Insurance for Handyman.
Roofers
As a roofer, you’ll be well aware of the risks associated with your trade, especially those that come with working at height. With that in mind, you may want to consider protecting your business from third-party claims if someone was injured or their property damaged as a result of your work.
At Swinton Business, we aim to arrange insurance for roofers which provides the cover they need.
Protect your business
Keeping your business covered for all eventualities is one of the best ways to ensure your future success. Get in touch with the friendly team at Swinton today to find out how you may be able to find the policy that’s right for you.