insurance guide
Turning Your Hobby into a Career
Almost two in five employees (39%) are so fed up at work that they’re thinking of leaving their job to start their own business. Research from Towergate Insurance reveals...
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We provide liability and business covers for variety of trades so you can build your insurance around your specific needs.
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Whether you’re putting up a shelf or refurbishing a whole house, we’ll ensure you have sufficient public and products liability cover in place, with limits up to £10 million. As your business grows you may take on staff too – we can provide levels of employers’ liability insurance covering both temporary, permanent and sub-contracted employees up to £10 million.
With a flexible tools’ cover limit set by you, we can cover most tools of the trade, right down to a spirit level. Your policy can also include employee’s tools and specialist and hired in equipment. Tools must be locked securely outside business hours, and a single item limit may apply.
Depending on your trades we can provide many types of specialist cover including ‘contractors all risks’ (CAR) and contract works cover. We can even source difficult to find cover such as JCT, non-negligence insurance and professional indemnity available for PAT testing and conditioning reports (EICRs).
Need papers quick to get you on site, or to tender for a public contract? Getting the right insurance doesn’t need to be difficult or time consuming. We can provide insurance then and there over the phone, email docs on the same day and have paper documents in the post within 24 hours.
With Towergate you can be confident that, in the event of the worst happening, your claim will be handled by a dedicated claims team offering the exemplary, fast and efficient service that we expect from our own teams and from our partners.
If there are any complications with your claim, we will contact the insurer and keep you updated with its progress.
Call or email with the following information: Your policy number, a telephone number to reach you on, details of your claim (what happened and what’s damaged) and photos where possible and relevant.
Get tips and more information on insuring your handyman business.
insurance guide
Almost two in five employees (39%) are so fed up at work that they’re thinking of leaving their job to start their own business. Research from Towergate Insurance reveals...
View insurance guideinsurance guide
Tradesman insurance is an umbrella term for any business or person who works performing a trade or service to the public. Yet with hundreds of different trades, how do you know what cover you might need? Our guide will help you understand liability insurance for trades, the different cover required and the types of trades we can insure
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We know JCT is becoming more and more desired as part of tradesman insurance even though it still remains relatively difficult to find amongst the various providers. We pride ourselves on not only being able to source this protection for those looking for it but also being able to accommodate any other types of cover you may need such as sub-contractors and employees’ tools cover. Speak with one of our advisors about your needs and how we might be able to help.
Handymen face many risks in their line of work. Unfortunately, no matter how well prepared you are, mistakes can happen – and a single slip could be disastrous for you and your business. Legal action, in respect of liability for personal injury or property damage arising from your activities is a real threat. Protect yourself, your clients, your equipment, and your business, with a flexible insurance policy specifically tailored to exactly match your requirements.
This depends on how you have insured your tools i.e. new for old, replacement value or if it’s based on what the tool is estimated to have been worth at the time of loss, but in all cases, if you are claiming to replace a tool your insurer will send you a cheque. This means you can control when, were and what you spend the money on.
Yes, both types of employees are covered for the same risks although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
