I am a Tradesman with any number of Employees
- A Roofer
- A Builder
- A Plumber
- A Plasterer
- An Electrician
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There is no legal requirement for you to have public liability cover, but your clients may insist on you having this cover before awarding you a contract or even allowing you access to their site. However, it is a legal contract requirement to have employers liability cover.
Best practice
- Working at heights
- Working below ground
- The physical demands of the work involved
- The extensive use of power assisted equipment and machinery
- Digging grounds with hidden assets like power cables, utility ducts, water gas or sewage
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Accidents and mishaps do occur in your field of work and environment and as such the industry generally recommends that you buy for your peace of mind a General Public Liability Insurance Policy. This policy will cover you against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you. If successful the compensation award could be substantial and more than likely put a strain on the your finances thus threatening your livelihood and your personal assets. Personal assets include your own home.
Furthermore, General Liability Insurance policy protects you against compensation demands from your customers’ should you or any of your employees cause damage to their property, injure their personnel or customers.
As you are an employer you need Employers Liability Insurance and you are by law required to have it.
Employers Liability Insurance, covers the employer should any member of their staff suffer an injury in the workplace or away from the workplace at customer’s premises as a result of their work or duties. This cover does not replace Public Liability Insurance and it will not cover the public.
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