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Welcome
eTradesman offers full online administration for your Public & Employers liability insurance policy.
eTradesman offers insurance policies for sole traders and businesses with a skilled trade. From Builders to Telephone Engineers, Window Cleaners to Landscape Gardeners and Shot Blasters to Painters & Decorators.
eTradesman offers competitive insurance policies suited to every need.
You can manage your entire policy online! Quote, Buy, Make changes and Renew all online.
No Phone Calls. No Queues, No Worries. So why not join the growing number of professionals and put your money where your mouse is.
Public & Products Liability
Public Liability covers you against death or bodily injury to the public and it also covers you for loss or damage to property not owned by you or in your custody or control.
Products liability protects you in the event that any product you make or supply to someone causes injury or damage through your negligence.
It includes solicitors fees, all costs and litigation expenses, damages and claimant's costs which you would be legally liable for.
Your limit of indemnity can be arranged at either £1m, £2m or £5m (depending on your trade).
The Limit of Indemnity is the maximum amount that the insurer will pay in respect of any event, or a series of events that are attributable to one original cause.
In respect of Pollution or Contamination the Limit of Indemnity will apply to the total of all events occurring in any one Period of Insurance.
A £250 excess applies to any claim made under this section.
Employers Liability
If you have employees, it is a statutory requirement to have Employers Liability insurance to cover you in the event of death or bodily injury to your employees whilst they are working for you.
eTradesman provides you with £10m of Employers Liability insurance, which is double the amount that you are legally obliged to provide.
Employers' Liability insurance does not automatically cover you or your business partners for death or bodily injury if it is caused by an employee or business partner. With eTradesman you have the option to include this cover, injury to working partners is not covered as standard.
Temporary Employees
If you sometimes employ temporary staff, Public & Employers Liability cover can be arranged for them without having to add those workers as permanent employees.
During the quote process just select yes to the temporary employee question.
We cannot extend cover where your payments to temporary employees exceed 25% of your annual turnover, or maximum of £750,000. If this is the case, temporary employees must be treated as permanent employees and they will count towards the maximum number of persons.
This extension cannot apply to Personal Accident cover, if you have selected that option.
When using bona-fide subcontractors you must ensure that they hold a current Public Liability insurance policy. The limit of indemnity on the policy should be at least equivalent to the Limit of Indemnity under this policy and you must retain documentary evidence in this regard.
Contract Works
As a contractor working on site, you may find contract conditions make you responsible for the works, materials and plant, including hired-in plant, whilst on site.
The Contract Works element of the policy (where selected) covers you for loss or damage to temporary or permanent works whilst undergoing construction. Cover includes damage to partially completed works.
There is automatic cover to include any materials that will be used in a contract whilst either adjacent to, on or in transit to the contract site. This also includes cover for any of your own plant or hired in plant, scaffolding, site huts or temporary buildings that are owned or hired by you.
Two levels of cover are available for you to choose from £50,000 or £100,000.
A £250 excess applies to any claim made under this section.
Own Tools
We know your tools are your business, which is why we can cover you for loss, theft or accidental damage of your hand and power tools (when you select the option). The cover also extends to include your tools whilst they are in transit or left in your vehicle.
We can cover you for, £2500, £5000, £7500 or £10000.
There is a single article limit of a maximum of £500 and a policy excess of £250.
Stock
Stock and materials are valuable assets for many small businesses, whether stored at home, at your business premises, on site or in transit. The policy provides cover for a maximum of £1,000 on an All Risks basis for loss, theft or accidental damage.
Cover excludes theft or attempted theft from unattended vehicles if all doors and windows have not been locked. Vehicles must be left overnight garaged in a locked building or secure in a fully enclosed yard or compound.
There is a policy excess of £250.
Personal Accident
Accidents can and do happen. We can provide cover for you, your partners and employees against accidental bodily injury. This cover is not restricted to work activities, and includes injuries sustained in your or your employees' own time. The standard limit categories are listed below:
- Death
- Loss of sight, hearing, speech or limbs
- Permanent total disablement from pursuing any occupation
- Temporary total disablement preventing pursuit of normal occupation
- Temporary partial disablement preventing pursuit of part of their normal occupation
- Weekly benefits are only payable after 14 consecutive days.
Personal Accident can provide compensation for all employees of a business including the proprietor and business partners under the age of 75. Provision is also allowed for up to 15% of the weekly benefit for medical expenses.
Cover is sold in units. 1 unit gives £5,000 death and capital benefits; £50 Temporary Total Disablement; £25 Temporary Partial Disablement; 14 day franchise period. Up to 10 units per person may be bought.
Money and Assault
This option provides £1,000 of cover for loss of money from your place of business or while in transit and £500 of cover at an employee's home.
The level of cover is £1,000 while in transit and £1,000 in safe.
There is no excess in the event of a claim under this section of the policy
Commercial Legal Protection
Commercial Legal Protection provides cover for legal costs arising from a wide range of issues such as employment disputes, debt recovery and VAT disputes. To help you keep up with ever-changing regulations, we provide access to a legal and tax help line, an online employment manual, as well as providing a limit of indemnity for legal costs for a business law suit.
The level of cover is £500,000.
A £500 excess applies for contract disputes exceeding £500. A £200 excess applies for aspect enquiries.
Business Equipment
Business equipment covers:
- Equipment (eg laptop, mobile phone, PDA) whether it is lost, stolen or accidentally damaged anywhere in Europe and for up to 30 days anywhere in the world.
- Business equipment while in transit or left in your vehicle.
- The cost of changing locks following theft of your keys, as well as theft of employees' and visitors' personal belongings.
- Cover excludes theft or attempted theft from unattended vehicles if all doors and windows have not been locked. Vehicles must be left overnight in a locked building eg garage or secure in a fully enclosed yard or compound.
Limits available for this cover are £2,500, £5,000, £7,500 and £10,000.
A £250 excess applies to any claim made under this policy section.
