Our Tradesmen and Professionals product is designed to be traded online and is packed with extensive covers as standard:
*inner limits and increased excesses apply for certain trades
Affordable Legal Expenses insurance, administered by Arc Legal Assistance, is now available at new business or renewal. Cover has been specifically tailored for Tradesmen & Professionals and provides protection for:
Clients with Legal Expenses cover will also benefit from having access to legal and tax advice on any matter relating to their business, plus access to Arc Legal Assistance’s emergency helpline.
Download the document (PDF 91KB)
Download the document (PDF 371KB)
Download the document (PDF 413KB)
Download the document (PDF 85KB)
Download the document (PDF 347KB)
Tradesmen & Professionals (PDF 379KB)
Tradesmen
| Standard cover | Maximum limits |
|---|---|
|
Public liability |
£5,000,000 |
| Optional cover | Maximum limits |
|
Personal accident |
£5,000 |
|
Employers' liability |
£10,000,000 |
|
Contract works |
£500,000 |
|
Plant & Machinery |
£25,000 |
|
Portable tools |
£10,000 |
|
Hired in plant |
£50,000 |
|
Business stock |
£5,000 |
|
Legal expenses |
£100,000 any one claim and £1,000,000 any one period of insurance |
Professionals
| Standard cover | Maximum limits |
|---|---|
|
Public liability |
£5,000,000 |
| Optional cover | Maximum limits |
|
Personal accident |
£5,000 |
|
Employers liability |
£10,000,000 |
|
Professional indemnity (selected trades) |
£1,000,000 |
|
Business equipment |
£10,000 |
|
Legal expenses |
£100,000 any one claim and £1,000,000 any one period of insurance |
Here are some common questions we see from brokers. If you can't find what you're looking for here, please get in touch.
| Extranet | Acturis | PowerPlace | SSP | Applied |
|---|---|---|---|---|
|
Yes |
Yes |
Yes |
Yes |
Yes |
eTrade policies are set to run for 12 months, and therefore the end term dates can't be amended.
There are no height or depth limits on the Tradesmen product. However, certain trades will trigger a request for you to provide the height and depth limits that your clients work at, which will be recorded on the Statement of Fact. Certain trades exclude activities which are carried out at height.
Our standard wording excludes theft or attempted theft of portable tools and equipment from any vehicle or trailer, whilst unattended, between the hours of 9pm and 6am. Cover can be extended for an additional premium to include theft or attempted theft by violent and forcible entry/exit to the vehicle for an additional premium. The vehicle does not need to be kept in a locked compound for this cover to operate.
We are happy for the trades ‘General builder’ and ‘Property maintenance’ to be used where there is incidental roofing work, providing that stand-alone roofing contracts do not exceed 10% of the annual turnover and the policyholder does not advertise for roofing contracts or describe himself as a roofer.
Key reasons to register:
Our dedicated Underwriting team are on hand to answer any questions you have and provide a fast response to referrals, so let us know how we can help.