Insurance for the Trade Sector
Do you work in the Trade Sector? If so, you may be asking yourself whether you need a policy and which type of cover should be included. If you are a tradesperson that is self-employed or runs their own business, that hires employees, then you will need a commercial combined policy. Such a policy is a necessity for any person working in trades such as buildings, plumbing, decorating, electrics or carpentry.
What is a Commercial Combined Policy?
If you run a business, then you will require a commercial insurance policy. In essence this will be a commercial combined policy.
Every business requires a series of protections and the level of those protections will need to be set dependant on the risks that are faced. Our specialists can help you find the correct protection to fit in with your requirments ensuring you are not under or over insuring your business.
The various types of cover typically included are those listed below.
Types Of Cover I May Wish To Consider For My Policy
Employers Liability
If you employ staff, this is protection against claims made by staff in the event they are injured or sick as a result of your business’ activities or negligence.
Public Liability
Protection against claims made by members of the public in the event they are injured or suffer loss or damage to their property as a result of your business’ activities or negligence.
Cyber
Protection against loss of income and compensation claims made against you following a cyber attack or data breach. This may be the result of employee/ system error or down to hackers.
Business Interruption
Protection against loss of income in the event you are unable to continue trading as the result of an unexpected event.
Personal Accident
Protection against loss of earnings if you are to suffer injury or worse as a result of an accident. This could cover yourself or your family.
Professional Indemnity
Protect your reputation and protect your business from claims of negligence, defamation and confidentiality breaches.
Equipment and Tools
Protection against loss, accidental damage and theft to your tools, equipment and stock.
Property Damage
Protection against loss or damage to buildings, machinery, furnishings and stock in trade.
Product liability
If you manufacture or distribute products, this is protection against loss, illness or damage caused by those products.
Legal Expenses
Protection to cover legal expenses against claims made against your business.
Contract Works
Protection for building works in progress which covers any loss or damage that may occur during construction
Business Contents
Protects your business contents from risks caused by natural disasters, vandalism and theft, and accidental damage such as burst pipes.
Stock
Protects your business by covering the cost of replacing your stock in the event that it is damaged or lost.
Hired-in Plant
Protects against the risk of a hired plant becoming unusable possibly as a result of being stolen or damaged.
Own Plant
Protects against the risk of your plant becoming unusable possibly as a result of being stolen or damaged.
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Why work with an ethical insurance broker?
When you arrange a tradesperson insurance policy through Evergreen Insurance Services, you are making the world a better place. Furthermore, it does not cost you anything because your policy generates a donation, from our commission to one of our amazing charity friends. As a result, you are contributing towards the protection of our natural world for generations to come. We have already donated vast sums which have gone to many great projects. To gain an insight as to what has been achieved, please visit our where donations go? page. Evergreen is part of the SIA group, ensuring over 25 years experience and thus the expertise to ensure you receive the best possible service.
Frequently Asked Question
We have the experience and knowlege to give you peace of mind and ensure you have the correct cover in place. We pride ourselves on service from your initial quote request through taking out your policy to assitance with any claims. In addition every policy generates a donation to nature and wildlife charities of up to 25% of our commission.
We have had some really positive feedback since we started out in 2017. We are an ethical company to our core. We donate to great causes but as all good companies should do, we also operate in a really honest way. We never look to aquire a client by offering a cheap policy the first year then hike the price on the second and subsequent years. We simply do everything to get the best cover and policy for our clients every year. We live by our slogan, Make a different choice, Make it Evergreen.
We always try to be competitive. There may be circumstances where you find a cheaper insurer online but if you want to be sure you have the correct cover and insurance that is tailored to your needs, please give us a call. Our repultation is built on helping and not selling so give us a try.
A Commercial combined policy is basically an all in one solution. No matter what your business, you will need a series of covers. A commercial combined policy allows us to pick the required covers and levels of those covers tailored to your requirments. Combining all of your insurance requirments into one policy can save you money and make things much simplier.
The short answer is no. Some will be legal requirements and others will be recommended for your profession. Give us a call and we will talk you through the levels of cover and tailor those to you business.