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Key features

Our Tradesmen and Professionals product is designed to be traded online and is packed with extensive covers as standard:

  • More than 200 acceptable trades
  • Up to eight persons
  • Maximum turnover £500,000
  • No height or depth limits
  • Property being worked upon automatically covered*
  • Temporary employee cover up to 50 days in any one period of insurance when the Employers liability section is operative
  • Temporary (up to 180 days) manual work within the European Union by UK residents for Tradesmen and worldwide non-manual work

*inner limits and increased excesses apply for certain trades


Flexibility

  • Policy wordings tailored to manual (Tradesmen) and non-manual (Professionals) businesses
  • Up to four trades can be selected
Optional Legal Expenses cover

Affordable Legal Expenses insurance, administered by Arc Legal Assistance, is now available at new business or renewal. Cover has been specifically tailored for Tradesmen & Professionals and provides protection for:

  • Contract disputes
  • Employment disputes
  • Criminal prosecution
  • And much more.

Clients with Legal Expenses cover will also benefit from having access to legal and tax advice on any matter relating to their business, plus access to Arc Legal Assistance’s emergency helpline.


Policy documents

 

 

Covers at a glance

Tradesmen

Standard cover Maximum limits

Public liability

£5,000,000
Optional cover Maximum limits

Personal accident

£5,000

Employers' liability

£10,000,000

Contract works

£500,000

Plant & Machinery

£25,000

Portable tools

£10,000

Hired in plant

£50,000

Business stock

£5,000

Legal expenses

£100,000 any one claim and £1,000,000 any one period of insurance

Professionals

Standard cover Maximum limits

Public liability

£5,000,000
Optional cover Maximum limits

Personal accident

£5,000

Employers liability

£10,000,000

Professional indemnity (selected trades)

£1,000,000

Business equipment

£10,000

Legal expenses

£100,000 any one claim and £1,000,000 any one period of insurance

FAQs about our Tradesmen & Professionals Insurance

Here are some common questions we see from brokers. If you can't find what you're looking for here, please get in touch.

Through which platforms can I trade Tradesmen & Professionals?

Extranet Acturis PowerPlace SSP Applied

Yes

Yes

Yes

Yes

Yes

Can I amend my client's renewal date?

eTrade policies are set to run for 12 months, and therefore the end term dates can't be amended.

Is there a height or depth limit?

There are no height or depth limits on the Tradesmen product. However, certain trades will trigger a request for you to provide the height and depth limits that your clients work at, which will be recorded on the Statement of Fact. Certain trades exclude activities which are carried out at height.

Do you cover tools in a vehicle overnight?

Our standard wording excludes theft or attempted theft of portable tools and equipment from any vehicle or trailer, whilst unattended, between the hours of 9pm and 6am. Cover can be extended for an additional premium to include theft or attempted theft by violent and forcible entry/exit to the vehicle for an additional premium. The vehicle does not need to be kept in a locked compound for this cover to operate.

My client is a builder and does an element of roofing. Is this acceptable?

We are happy for the trades ‘General builder’ and ‘Property maintenance’ to be used where there is incidental roofing work, providing that stand-alone roofing contracts do not exceed 10% of the annual turnover and the policyholder does not advertise for roofing contracts or describe himself as a roofer.

Register for Connect Extranet

Key reasons to register:

  • Ability to quote and buy
  • Instant access to policy documentation
  • Full management and adjustment of existing policies
  • Simple steps to flex-commissions
Register

Get in touch today

Our dedicated Underwriting team are on hand to answer any questions you have and provide a fast response to referrals, so let us know how we can help.

0800 051 8001
Email us

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