Exclusive Tradesman’s Liability & Contract Works Insurance
What you get with Tradesman’s Liability & Contract Works Insurance
Public Liability, Employers Liability, Professional Indemnity Insurance and Contractors Insurance to suit most trades through one of the top Irish owned insurance companies.
Public Liability Insurance
Public Liability insurance will cover you and your business against your legal liability in the event of accidental bodily injury to a third party or damage their property arising from activities relating to your business.
- Standard Cover of €6,500,000 with the option to increase this limit to €10,000,000 and beyond if it is required.
Employers Liability Insurance
Employers Liability insurance will cover and your business against financial claims made by employees as a result of accidents and/or illness suffered by them where the cause is found to be as a direct result of their employment.
- Standard Limit of Indemnity of €13,000,000
- Automatic cover for additional and/or seasonal workers up to a maximum of 150 days in one period
- Automatic cover for working directors and/or office based employees
- Personal Accident cover for principle partner or working directors against accidental bodily injury up to a limit of €16,000 for any one injury
- There are no inner limits of indemnity applying to claims in respect of burning or welding or the vibration weakening or removal of supports
- Depth limit of 4 metres as standard (may be increased if required)
- Height limit of 15 metres as standard (may be increased if required)
Product Liability Insurance
Product Liability insurance will cover and your business against financial claims made by third parties for accidental bodily injury or damage to third party property caused by a failure of a product or products manufactured, sold, supplied or repaired by your business in the course of its operation. The standard level of cover will be limited to €6,500,000 in any one year.
Contractors All Risks Insurance
Contractors All Risks insurance can be added to the policy if required and will cover the physical risks associated with the construction project. This covers loss and/or damage of plant and the destruction of buildings in the course of construction etc. Theft and Malicious Damage cover is also included. A detailed assessment of risk exposure should be completed prior to taking this cover out.
- Contract Works up to a limit of indemnity of €500,000 in any one contract as standard (may be increased to a maximum of €1,000,000 if required)
- Additional levels of cover included automatically include
○ Hired-in plant up to a limit of €75,000
○ Own plant and temporary buildings up to a limit of €30,000
○ Employees’ tools up to a maximum of €2,500 per employee
Tools Cover: Goods in Transit cover for Contractors’ own tools and/or equipment up to a limit of €5,000 in any one conveyance while being transported in the insured’s own vehicle