Question 1

What security measures do I need for tool coverage?

Accepted Answer

Tools must be stored securely in a locked vehicle out of sight, locked site container or another secure location; this applies to owned and hired tools.

Question 2

Are power tool breakdowns included?

Accepted Answer

No. Only theft, damage or loss is covered when you have Plant & Tools Owned or Hired cover.

Question 3

Does tradesman insurance cover work interruption?

Accepted Answer

No.

Question 4

Are my van’s contents insured overnight?

Accepted Answer

Tools and equipment stored in a locked vehicle overnight are covered if you choose the Plant & Tools Owned extension (Tools of Trade).

Question 5

Am I covered for delayed damage claims?

Accepted Answer

No. Claims must be reported when you become aware of the damage.

Question 6

What insurance do I need for electrical work?

Accepted Answer

Select the appropriate trade when getting a quote; public liability covers third‑party claims and Employers’ Liability is needed if you have employees. Contractors Works and Plant & Tools cover can be added.

Question 7

Is tool hire covered if they are stolen?

Accepted Answer

Yes. Plant & Tools Hired cover protects hired tools and equipment against loss, damage or theft and covers any resulting hire charges.

Question 8

Are materials stored on site protected?

Accepted Answer

Yes, if you include Contractors Works cover.

Question 9

What coverage do I need for commercial projects?

Accepted Answer

Contractors Works protects materials and works; Plant & Tools covers equipment; public liability and Employers’ Liability may also be needed depending on project size.

Question 10

Does my tradesman liability insurance include apprentices?

Accepted Answer

Yes, apprentices are covered if you have Employers’ Liability insurance.

Question 11

What items are covered under the Own Plant and Tools cover?

Accepted Answer

Contractors’ plant, tools, equipment, demountable and temporary buildings, caravans, materials, stores and other property used for contract works are covered, subject to conditions and exclusions.

Question 12

What does Contract Works cover?

Accepted Answer

It covers damage or loss to temporary or permanent works and materials you are responsible for, excluding your tools and plant. Materials off‑site are only covered if in transit; works lasting over 24 months are excluded.

Question 13

Are you able to cover the plant I use for my trade?

Accepted Answer

Yes. Plant you own and hire can be covered; different sums insured and single article limits apply. Equipment over £10 000 must be secured or immobilised when not in use.

Question 14

Can I include liability cover for subcontractors?

Accepted Answer

Bona‑fide subcontractors must have their own insurance; labour‑only subcontractors can be included if they work under your contract. You must retain proof of their cover.

Question 15

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

Accepted Answer

No in most trades, except for some builder, landscaper and electrician trades where an endorsement may allow it if certain conditions are met.

Question 16

Do I need insurance if I work from home?

Accepted Answer

Yes. Public liability insurance is required to protect against injury to clients or damage to their belongings.

Question 17

Can you cover my tools for damage, loss and theft?

Accepted Answer

Yes. Tools insurance is available subject to conditions and exclusions.

Question 18

Does this insurance policy cover me for working overseas?

Accepted Answer

Cover is intended for UK work but allows temporary cover abroad (maximum 25 days per policy year) for manual work in the EU and non‑manual work worldwide.

Question 19

Does bricklayer’s liability insurance cover damage to underground services while digging foundations?

Accepted Answer

Yes. Cover is available for damage up to a depth of 1.2 metres.

Question 20

What happens if my work is delayed due to extreme weather conditions?

Accepted Answer

Contract Works cover protects materials and works against damage from weather during projects lasting up to two years.

Question 21

Am I covered for damage to neighbouring properties while working?

Accepted Answer

Public liability can cover damage to neighbouring properties caused by your work if reasonable precautions are followed.

Question 22

Does my insurance cover tools borrowed from other contractors?

Accepted Answer

No. Borrowed tools need to be insured by their owner.

Question 23

Are my tools covered while stored in my van overnight?

Accepted Answer

Yes, if you have Plant & Tools Owned cover with the Tools of Trade extension.

Question 24

How does working at height affect my insurance cost?

Accepted Answer

Bricklayers insurance covers work up to 10 metres above ground. For higher work you must request an assessment to see if cover can be provided.

Question 25

Do I need employers’ liability insurance if I only hire temporary workers?

Accepted Answer

Yes. Employers’ liability is legally required if you hire any workers or volunteers.

Question 26

What type of insurance do bricklayers need?

Accepted Answer

Key covers are public liability, employers’ liability, contractors’ all risk and plant & tools cover.

Product Category: Trades

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