We hear a lot of horror tales with the media about people being wounded or having their home or their automobile harmed as a result of mishaps including tradesman. There are many things that can be able to go wrong.
If you are a gardener or painter & Decorator, - you could think that your business is low danger and there are very few things that can happen to leave your company exposed. Have you thought about that you might utilize a power device that blows the electrics causing hundreds of pounds of damage to electrical devices in the customer's house? Have you thought about that if your customer was to journey over a tin of paint and fall down the stairs you could be qualified to pay settlement for any injuries triggered and any loss of earnings for the customer as a result of those injuries?
One of the UK's best known insurance companies is Direct Line and they currently have a price match guarantee on tradesmen insurance, i.e. they will beat any price for the equivalent product (new customers only). You can check out their offering Click
Most people associate Public Liability Insurance to more high risk trades such as Gas Fitter's and Electrician's for apparent reasons - and whilst it is essential for those trades to be appropriately insured, it is very important for any individual working with, and around the general public to be insured. Public Liability Insurance can be low expense and is straight rated to the danger of the trade. Gardeners and handymen can expect to pay considerably less than gas fitters for instance - the risks are different.
Sadly we are in a time wherein people try to find needs to claim for compensation and make use of the tiniest of mistakes to make problems - any single trader or company owner who wants to risk their credibility and monetary future 'trusting' their clients not to trip over their a wire, or slip on a damp surface and try to claims hundreds and thousands of pounds in damages - could be viewed as silly?
With premiums for Liability Insurance beginning at around 56 per year, it is an unnecessary threat; There are many insurance providers that offer thorough liability policies to match your trade and needs completely. You will have the ability to get quotes online and over the telephone rapidly. You could even find that a few of your clients will ask to see a certification of insurance policy prior to they accept get in into a contract with you, this is completely acceptable and is quick becoming the 'standard'. Customers wish to make sure that if anyone is wounded, or any property is harmed - the tradesman is insured effectively to cover the damages.