FAQ Category: Small Business

This cover is meant for work in the United Kingdom, however it will allow cover abroad temporarily (max 25 days throughout your annual policy), for manual work in the EU and non-manual work anywhere in the world, in conjunction with your Business only.

No, there is no cover for your tools and equipment on this product. This is cover for liability insurance only, with optional commercial legal protection.

If you are a cleaner, crafter or tradesman you can get equipment cover with these individual policies.

Yes, you need public liability insurance to protect you against claims arising from accidental injury to a client or damage to their belongings.

No, not for the majority of trades available to be selected, with the exception of Domestic Appliance Repairer, Conservatory & Porch Erectors, Fencing Contractor, Roller Shutter/Door Installation, where there will be an endorsement added to your policy, allowing you to undertake work away from your premises, subject to you complying with a set of conditions outlined in the added endorsement titled ‘Hot Working and Use of Heat Equipment away from your Premises Condition Precedent’.

This depends on your agreement with your subcontractors. Bona-fide subcontractors will have to have their own insurance cover and cannot be included on your insurance policy and in the numbers requested herein, you will be obligated to retain proof of their insurance. Labour-only subcontractors can be included on your policy of insurance, for work they provide under contract with yourself and your business only and should be included in the total numbers you provide in this application of insurance.