Tradesman Insurance

Public liability insurance covers injury and property damage claims. made by clients or the public. Markel Direct offers cover limits from £1 million to £5 million. 

Example: A handyman damages a fixture while rewiring a ceiling light. The client files a property damage claim. 

Employers' liability insurance covers compensation costs if an employee is injured or falls ill due to their work. It's a legal requirement to have a minimum cover of £5 million if you have staff. Markel Direct provides up to £10 million in cover. 

Example: A junior electrician is electrocuted while installing an intercom system and sues their employer. 

Tools insurance covers the cost to repair or replace tools and equipment if they're lost, stolen, or damaged. Cover limits range from £1,000 to £5,000. 

Example: A gardener's commercial lawn mower is stolen from their garage. They claim to cover the replacement cost. 

Legal expenses insurance covers up to £100,000 in legal costs for issues like contract tax disputes, tax enquiries (including IR35), debt recovery, employment disputes, and more. 

Example: A supplier fails to deliver paid-for materials and ignores refund requests. Legal cover helps recover the debt. 

Occupational personal accident insurance pays out if you're injured at work or while travelling to/from work and can't earn a living. It offers weekly payments or a lump sum, depending on the injury.

Owned plant insurance covers the repair or replacement of your own plant machinery (like cement mixers, generators, and trailers) if it's damaged or stolen. Cover ranges from £10,000 to £50,000.

Hired plant insurance covers the cost to repair or replace hired machinery (such as forklifts, cherry pickers, and concrete mixers) if it's damaged or stolen. Cover limits range from £10,000 to £50,000.

Contract works insurance covers construction work in progress. If your project is hit by fire, flood, theft, or vandalism, it helps cover the cost of repairs or redoing the work.

Goods in transit insurance covers loss or damage to goods while being transported, whether in your own vehicle or by a third-party carrier.

Professional indemnity insurance protects your trades business if a client claims negligence, errors, or poor advice. It's essential if you provide advice or design services.