Question 1

Can I include liability cover for subcontractors, who I use to assist my business?

Accepted Answer

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.

Question 2

Does your policy allow me and my staff to provide work using heat away from our premises?

Accepted Answer

No, not for the majority of trades available to be selected, with the exception of Domestic Appliance Repairer, Painters & Decorators, Conservatory & Porch Erectors, Fencing Contractor, Roller Shutter/Door Installation, Electricians and General Builders, 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’.

Question 3

Do I need insurance if I work from home?

Accepted Answer

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

Question 4

Are my tools and equipment covered with this policy?

Accepted Answer

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.

Question 5

Does this insurance policy cover me for working overseas?

Accepted Answer

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.

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