Tradesmans Insurance - Overview
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Read this guide to assist you in assessing your insurance requirements.
As a Tradesman owning and running your business is not easy. You have invested time, effort and usually a great deal of money to make it successful. The last thing you need is to lose it all because it wasn’t insured or risk management was inadequate . To help protect your business against unforeseen losses our insurers offer insurance products to suit your needs
Public & Product Liability
Legal liability to pay compensation (including legal expenses) to third parties in the event of the Insured causing injury, death or loss of or damage to property arising out of business operations or products.
Workers Compensation
All employees injured by accident or industrial diseases arising out of, or in the course of their employment are legally entitled to compensation under the various Workers Compensation statutes.
Construction Works & Liability
This composite policy covers contact works for material loss or damage including removal of debris, expediting expenses, professional fees, existing stuctures , plant tools & equipment on site. Also covers Public Liability for the construction.
Personal Accident & Illness
Can provide weekly and lump sum benefits for accidental death or injury to a specified person or persons. Protection is also available to cover illness.
Property Damage or Fire and Perils
Covers your buildings, contents and stock against the risks of fire, storm and tempest, impact, malicious damage, including automatic accidental damage cover. The policy also provides full replacement cover.
Theft and Burglary
Every business person needs to feel physically secure. You’re protected against loss or damage to your property caused by visible forcible and violent entry to your premises, persons hiding on your property, and persons who threaten or actually stop to using violence.
General Property or Special Risks
Covers loss of or damage to specified property, normally of a portable nature, which is not covered under the policy on property at the insured’s premises.
Transit
Marine Cargo insurance is sometimes divided into Inland Marine, which covers property and goods in transit between locations without requiring sea transport and Ocean Marine, which covers property and goods subject to a sea voyage.
Tax Audit
Covers professional fees charged by an accountant in connection with a Taxation Office audit, including costs in obtaining expert advice
Motor Vehicle
This can take several forms:
Comprehensive own damage and third party property damage.
Third Party Property Damage plus Fire and Theft.
Third Party Property Damage only.
Compulsory Third Party
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