FAQ Category: Trades Insurance

To ensure tool insurance is valid, your tools must be securely stored in a locked vehicle and out of sight, locked site container, or other secure location when not in use. This applies to both owned and hired tools.

No, power tool breakdowns are not included. The policy only covers theft, damage, or loss of tools if you have the relevant Plant & Tools Owned or Hired cover.

No, standard tradesman insurance does not cover work interruption.

Tools and equipment stored in a locked vehicle overnight are covered if you have the Plant & Tools Owned extension (Tools of Trade), which protects your tools off-site under secure conditions.

No, delayed damage claims are not covered. All claims for damage must be reported to us at the point you are aware of any damages or injury occurring.

You will need to select the correct trade you need cover for, when you get a quote, for example electrician’s cover. Public liability insurance can protect against third-party claims. Additionally, Employers’ Liability is required if you employ staff. You may want to customise your policy with optional extras for Contractors Works and Plants and Tools cover.

Yes, Plant & Tools Hired cover includes protection for hired tools and equipment against loss, damage, or theft. You’ll also be covered for any hire charges resulting from the loss.

Materials stored on-site are protected if you include Contractors Works in your policy. This ensures coverage for loss or damage to temporary or permanent works, including materials.

Depending on your project you can choose the appropriate cover that best suits your needs. For commercial projects, you could include Contractors Works for protection of materials and works, as well as Plant & Tools cover for equipment used on-site. Public liability and Employers’ Liability may also be necessary, depending on the size of your operation and workforce.

Yes, if you have Employers’ Liability insurance, apprentices are covered for workplace injuries or accidents, as this is a legal requirement for any employer with staff.