If you know your Username, but have forgotten your password, you can use the password reset option. Enter your Username details (note, this is not your email address) and click 'Forgotten your password' on the log on page.
If you've forgotten your Username, you can click 'Forgotten your User ID'. Enter your email address and if our records match, your Username will be emailed to you.
If you're still experiencing problems accessing the system, please call our Agency team 01253 683122.
Key features
Our Tradesmen and Professionals product is designed to be traded online and is packed with extensive covers as standard:
More than 200 acceptable trades
Up to eight persons
Maximum turnover £500,000
No height or depth limits
Property being worked upon automatically covered*
Temporary employee cover up to 50 days in any one period of insurance when the Employers liability section is operative
Temporary (up to 180 days) manual work within the European Union by UK residents for Tradesmen and worldwide non-manual work
*inner limits and increased excesses apply for certain trades
Flexibility
Policy wordings tailored to manual (Tradesmen) and non-manual (Professionals) businesses
Up to four trades can be selected
Optional Legal Expenses cover available
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:
Contract disputes
Employment disputes
Criminal prosecution
And much more.
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.
Product covers
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
FAQs about our Tradesmen and Professionals Insurance
Through which platforms can I trade Tradesmen and Professionals?
Extranet
Acturis
Open GI Commercial Lines SME
Applied
Yes
Yes
Yes
Yes
Can I amend my client's renewal date?
Digital policies are set to run for 12 months, and therefore the end term dates can't be amended. However if a new renewal date is required you can cancel mid term and reissue a new policy.
How can I cancel a policy?
In order to process a cancellation, please email us with the policy number, client’s name and reason for cancellation. Within 5 working days you'll receive a cancellation letter detailing the return premium. If you require the details immediately, contact our underwriters on 0800 051 8001 or via live chat.
Do you accept customers who have been previously bankrupt?
We’re able to consider risks where the bankruptcy has been discharged for 5 years or more, depending on the individual circumstances. You can discuss this with one of our underwriters by contacting our self-serve team on via live chat.
How can I reinstate a digital policy?
Digital policies can't be reinstated. If you've not renewed the policy then a new policy will have to be incepted from today at current rates and acceptance criteria. If you're looking for us to backdate cover, we'll need you to create a new quote with effect from today and contact our underwriters on 0800 051 8001 for authorisation. We'll also need confirmation in writing that the client wanted to go ahead, proof of payment from the client, and confirmation of no claims/incidents from renewal until now. You can email us at onlinetradingcentre@axa-insurance.co.uk.
Is this policy on instalments?
Our Instalments team will be able to confirm if an instalment is place for the policy. You can access their contact details here.
What happens at renewal of an digital product policy?
If you don’t accept the policy renewal online ahead of its expiry date, the policy won't automatically renew and will lapse, which may leave your clients without cover.
Do you cover tree felling/ lopping?
Tree felling and tree surgeon aren't acceptable trades/activities. Gardener trades are acceptable, but all have an exclusion for tree felling or lopping (other than the pruning of bushes, shrubs or hedges).
Do you cover gutter cleaning?
Gutter cleaning and roof cleaning as specialist activities aren't acceptable. The trade of Guttering and Fascia Board Installation shouldn't be used for these activities.
Do you provide locations exclusion?
Our Tradesmen policy contains a hazardous locations exclusion. For full details, please refer to the policy wording. If you'd like additional information, then please contact our underwriters on 0800 051 8001.
How can I check the endorsements?
Certain trades will have further exclusions shown by endorsement. To check the endorsements that will apply, please submit a quote for the appropriate trade(s) and view the documentation where all endorsements will be noted.
Do you provide PI?
We offer Professional Indemnity as an extension for some of our professional trades on this product. However, if the system automatically removes this section, it means that Professional Indemnity isn't available for the trade you've selected. Alternatively, we've a digital Professional Indemnity Combined product which caters for a wide range of trades and professions where you may be able to obtain cover through a separate quote.
Do you accept installation of boilers?
The installation of boilers is permitted if the trade is noted as plumbing and heating. Within the questions set you’ll be asked about gas work - please ensure this is answered correctly, as your response will be recorded on the Statement of fact. Work in connection with industrial boilers or pipe work, ducting, ventilation, extraction or similar systems used for industrial purposes is excluded. We would generally regard any boiler with over 100kw output power as industrial.
Do you offer any discount and how can I contact you to discuss this further?
We regularly review our pricing models to ensure our premiums remain competitive. However, we may be willing to negotiate some premium movement on larger cases where the risk has run well. Please contact our underwriters in our self-serve online team by calling 0800 051 8001 or using live chat.
Do you cover any work on the outside of buildings such as cleaning or painting?
This will depend on the activities involved. The cleaning of building exteriors, including roofs and gutters, is unacceptable. The spray painting of building exteriors is also excluded.
Get in touch
If you have a question, need support or want a fast decision on a referral, contact the Self-Serve Online team and we’ll do our best to help.
If you know your Username, but have forgotten your password, you can use the password reset option. Enter your Username details (note, this is not your email address) and click 'Forgotten your password' on the log on page.
If you've forgotten your Username, you can click 'Forgotten your User ID'. Enter your email address and if our records match, your Username will be emailed to you.
If you're still experiencing problems accessing the system, please call our Agency team 01253 683122.
