Articles in Category: Tradesman

Electrical Contractors Insurance Tips - Safe Solar Panel Installation

Electrical Contractors Insurance Tips - Safe Solar Panel Installation

The continued growth of green energy is increasing demand for solar panel installation.  If your business is starting to get involved in the solar industry, it is important that your take some time to review your Health and Safety processes as well as your Electrical Contractors Insurance policy.  This will ensure that you have the correct level of risk management and cover in place.

Tree Surgeon Insurance - Safety Tips When Working With Wood Chippers

Tree Surgeon Insurance - Safety Tips When Working With Wood Chippers

Wood chippers can be extremely dangerous, with blades generally running at between 1,000 and 2,000 revolutions per minute, combined with a powered feed mechanism, an accident can easily cause injury to you or your employees if it is not operated correctly.

Should one of your employees suffer injury during the course of their work, they could seek compensation against you and subsequent claims under the employers’ liability section of your Tree Surgeon Insurance.

Roofing Insurance News - Roofing Firm Fined After Employee Fall

Roofing Insurance News - Roofing Firm Fined After Employee Fall

Working at height, whether it be roofing, scaffolding or another contracting trade, can be a hazardous and significantly increases the risk of injury to employees (Employers Liability) or members of the Public (Public Liability Insurance)

As such, Insurance for Roofing Contractors is a specialist area where managing risk effectively to reduce propensity to claim has a positive effect on premium levels.  Clearly the opposite is also true in instances where risk management is poor, or a previous claim has occurred.

Roofing Insurance News - Roofing Firm in Court after Workers fall

Roofing Insurance News - Roofing Firm in Court after Workers fall

Roofing or any other specialist trade which involves height workcan significantly increase risk of injury, be it to a Employee (Employers Liability Insurance), or a member of the public (Public Liability Insurance) .

The price of Roofing Insurance can be a significant cost to your business and it is important to manage risk effectively to reduce your claims exposure and in turn your premium levels.

Carpet Fitters & Flooring - Business Insurance - Health Check

Carpet Fitters & Flooring - Business Insurance - Health Check

If you own or run a flooring contractors or carpet fitting operation, you will know that you need insurance.  However, as your company evolves it can be easy to overlook a specific area of risk.

Our “Health Check” series examines individual professions and identifies the typical associated risks which you may need to consider.

Electrical Contractors Insurance - Reduce Ergonomic Workplace Injuries

Electrical Contractors Insurance - Reduce Ergonomic Workplace Injuries

As an Electrical Contractor you are often working in confined spaces and with a number of manual and power tools.  It is important to carefully consider the variety of health and safety risks, particularly in relation to ergonomic related injuries, as these can often lead to significant compensation claims from current or previous insurers under the employers’ liability section of your Electrical Contractors Insurance policy.

Public Liability Insurance -  Work at Height? Protect Those Below

Public Liability Insurance - Work at Height? Protect Those Below

Whether you work in construction, electrical contracting or telecommunications, your role may involve an element of height work, the risk of injury or damage to property through on-site accidents whilst working at height is considerable increased.

The Health and Safety Executive (HSE) report that falls from height are the most common cause of death and serious injuries in the construction industry.  Should a member of the public suffer injury or damage to property, for example, from a dropped hammer, then you could receive a significant claim under your Public Liability Insurance policy. 

How Much Public Liability Insurance Do I Need?

How Much Public Liability Insurance Do I Need?

The say that you can never have too much of a good thing and a strange as that sounds it probably also applies to a businesses liability insurance.

We are often asked “How Much Public Liability Insurance Do I Need?” and that is not an easy question to answer, as in reality it depends directly on the maximum amount which you could ever be liable for should you be unfortunate enough to suffer a loss. 

As we don’t have a crystal ball the exact level of a future claim is impossible to predict, but what we can do is examine some of the key factors which influence claims exposure.

Public Liability vs. Professional Indemnity Insurance

Public Liability vs. Professional Indemnity Insurance

When you are insuring your business the different types of cover and policies can be confusing. As such, it is important to take the time to understand some of the key fundamental options, together with the potential exposures which they protect.

One of the most frequent questions we are asked is the difference between Public Liability Insurance and Professional Indemnity and which is the most important.