2 months free cover for JustFix members. *T&Cs apply
Insurance for trades
Get cover built for tradespeople
No matter how skilled you are in your chosen trade, mistakes and accidents can still happen. And if you work on construction sites or in clients' homes around members of the public and employees, having the right business insurance can provide vital protection if an incident occurred.
Fixers need to have up-to-date public liability insurance to get jobs. At Superscript, you start with public liability insurance and build your policy from there, only adding the relevant covers you need for your business.
- Choose from £1m, £2m, or £5m public liability cover
- Add employers' liability if you need it
- Enjoy 5-star customer service and claims support
- Add or remove covers and adjust your limits, with no extra fees
- Pay monthly or annually, it’s your choice
What insurance do tradespeople need?
Public liability
Designed to cover claims made against you for injury or property damage to a client or member of the public as a direct result of your work. As an experienced tradesperson, you could probably operate many of your tools in the dark – no problem. But this isn't the case for a layperson, who could get injured in your work area or by your tools.
Employers' liability
A legal requirement for most employers in the UK. If you hire employees, including apprentices, part-time, or even temporary workers, you’ll likely need to make sure you’re covered and that you have an employers' liability insurance certificate to prove it. Not having it can result in a fine of up to £2,500 per day for each uninsured day.
Contract works
Some things – like fire, theft, water and wind damage – are just beyond your control. Contract works insurance covers accidental damage to a temporary or permanent structure you – or a contractor you hire – are building. You’ll also be covered for accidents that could happen when transporting the materials you need, and if those materials are stored near the development. It’s particularly relevant if you’re building a property to sell on.
Tools and equipment
A misplaced spanner is one thing, but damaged, lost or stolen specialist equipment can be expensive and difficult to replace. Our cover includes up to £10,000 cover for portable tools and equipment (maximum value of £1,000 per item); up to £25,000 cover for construction plant and machinery owned by you; and up to £50,000 cover for hired in plant. Just be sure to keep everything in a securely locked building or compound when not in use. We can also offer additional cover for tools stored in vehicles overnight.
Stock cover
It’s not all about the tools! You can’t get a job done without the right materials either. Our business stock covers materials such as wood, paint and tiles, up to £5,000. It’s important that your stock is securely stored at your business premises, or in securely locked conditions elsewhere - even when in transit.
Personal accident cover
Unfortunately, the physicality demanded by manual labour means that if you get injured, you may find yourself unable to work in the same capacity for some time - perhaps even permanently. Personal accident cover will pay a benefit if someone working for the business suffers an accident resulting in loss of sight, hearing, speech or a limb, death or leaving them disabled and permanently unable to work.
Professional indemnity
We all make mistakes, but when you’re surveying, designing or measuring, mistakes could have real life consequences. Tradesperson professional indemnity insurance may help to cover the associated legal costs if a third party accuses you of professional negligence.
Offer terms and conditions
The "two-months free" offer is available to any Just Fix member taking out a new business policy with Superscript; it will not be granted in conjunction with any other offer, voucher or discount, excluding unique referral codes from our Refer-A-Friend programme which can be used in conjunction with the JustFix discount. The "two-months free" offer applies for 2 months only from the inception date of the initial policy. Subject to eligibility requirements.
FAQs
What trades do you cover?
We can cover a wide range of trades. If you can’t see your trade as an option when you get a quote online, please don’t hesitate to contact our customer success team via chat, email or phone - we may be able to offer you cover.
Give us a call on 0333 772 0759+31 10 8080 889, LiveChat or send an email to hello@gosuperscript.com.
Will I be covered to work abroad?
Our cover gives you the freedom to work temporarily (up to 180 days) anywhere within the European Union, knowing you’re covered as per usual.
Do you cover tools stored in a vehicle overnight?
Our standard cover does not include this. It specifically excludes theft of tools and equipment from any vehicle left unattended between the hours of 9pm and 6am.
However, we do offer the option to insure your tools stored securely in your van overnight, if the vehicle is parked in a locked compound, at an additional cost.
Do I need to tell you each time I get a new employee?
If you have employers' liability insurance with us, you will need to let us know each time you get a new permanent employee. For temporary workers, however, we’ll automatically cover you for up to 50 days in any one period of insurance.
What will affect the cost of my insurance?
The cost of your cover will vary depending on the work you carry out. Jobs that could more easily cause harm to the public, or tools of high value, present more risk and a bigger payout in the event of a claim. This typically means the cost of your insurance will be higher than it would be to cover work that is deemed lower risk, or less valuable equipment.
What excess would I need to pay?
This will vary depending on the nature of your claim. For example, the excess on a public liability claim, or a tools claim, would be £250, while the excess on a hired-in plant claim would be £500.
Is business insurance a legal requirement for tradesmen?
The only cover that is a legal requirement for most businesses in the UK that have employees is employers' liability insurance.
However, in order to become a Fixer on the JustFix platform you will need to be able to prove you have a valid public liability insurance policy in place.
You may also want to consider insurance for other reasons, such as:
- your trade association may require it
- your clients may require it
- you may decide that the risk of a claim against you - or tools theft - is too high a price to pay, not to insure.
Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.