Complete Contractor Tradesmen Insurance

Our Complete Contractor package for Tradesmen and Contractors is designed for:

• Sole Traders, Partnerships & Limited Companies.
• Businesses with up to 9 staff.
• A wide range of contracting trades such as Builders, Decorators, Electricians, Carpenters, Joiners and Plasterers.

Complete Contractor Insurance offers essential protection, so you can concentrate on your business without worrying about the liabilities.

   

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc.

For some trades, cover is unavailable online. If your trade is not listed in the drop down box in the 'Your Business' section when you click through to get a quote, please call the Business Insurance Centre on  0800 048 1669.

Key Features

• Public liability cover - £1m as standard, with option to increase to £2m or £5m for some trades.

With options to add:

• Tool cover –  theft or damage to tools up to £300 per item, up to £1500 cover per employee)   
• Contract works cover -  such as damage to a building whilst in the course of erection, up to £350,000
• Employer’s Liability – to cover compensation claims by employees up to £10m
• Personal accident - to provide a lump sum if injured as a result of an accident, up to £50,000  
• Temporary employees cover - public and employers liability cover for up to 3 temporary employees

And to help your cash flow there’s no interest to pay for spreading your payments by monthly direct debit and no charges for making changes to your cover. 

Please note that some hazardous works (e.g. quarrying, blasting or diving operations) and works at specific locations (e.g. railways, mines, or blast furnaces) are excluded from cover.

For further details of the benefits and exclusions that apply, please take a look at the policy summary Complete Contractor Tradesmen Insurance Policy Summary Document or for full details of all the terms and conditions the Complete Contractor Tradesmen Insurance Policy Wording Document Terms and conditions apply to the benefits listed.

If this product does not meet your exact business insurance needs call the Business Insurance Centre on 0800 048 1669

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.

Complete Contractor Core Cover

• £1m public liability cover with the option to increase to £2m or £5m for some trades

Optional Covers

• Employers Liability Cover for £10m(reduced to £5m in the case of terrorism).
• Temporary Employees up to 3 employees/100 days.
• Loss or damage to tools up to £1,500 per employee (£300 limit per tool. This cover is not applicable if the Contract Works option is selected)
• Contract Works cover for loss or damage (including own plant/tools, Hired in Plant & Tools) with flexible cover options up to £350,000 for any one loss (inner limits apply)
• Personal Accident cover for you and any directors, partners or proprietors between 16 and 65 with flexible cover options up to £50,000

Included within your policy are a range of additional benefits:

• 24 hour Legal Advice Helpline
• Business Advice Helpline

For further details of the significant benefits and exclusions that apply, please take a look at the Complete Contractor Tradesmen Insurance Policy Summary Document or for full details of all the terms and conditions the Complete Contractor Tradesmen Insurance Policy Wording Document  before you buy.

If this product does not meet your requirements call the Business Insurance Centre on 0800 048 1669

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc. 

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.

If this product does not meet your requirements call the Business Insurance Centre on 0800 048 1669.

To help you, we've listed some of the most common questions that customers ask.

Q: How long is an Essential Business Insurance quote valid for?
The quote will remain valid for up to 60 days from the quote date.
Q: How far in advance can I get a quote?
You can get a quote anytime, but it will expire after 60 days, so it’s best to get one no more than 60 days before you need cover to start.
Q: What if I don't know the date of a previous claim when completing the application?
It’s important that you provide accurate information for previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer, who should be able to provide the details you require.
Q: What if I don't know the amount of a previous claim when completing the application?
It’s important that you provide accurate information for previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: How many claims can I have had previously?
To get an online quote your business must not have been subject to more than two incidents, losses or claims (or the total value of all claims must not exceed £5,000) within the past 5 years. If this is not the case you may still be able to get a quote for Essential Business Insurance but you will need to call the Business Insurance Centre on 0800 048 1669
Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the Complete Contractor Tradesmen Insurance Policy Wording Document . Alternatively a summary of the significant exclusions can be found in the Complete Contractor Tradesmen Insurance Policy Summary Document. In addition, when you buy, any additional exclusions or conditions specific to you will be explained, and then detailed in your policy schedule.
Q: What are the standard excesses?
The main standard excesses on this product vary by section as follows:
Public Liability - £250
Tools - £100
Contract Works - £250
Contract Works - Theft & Malicious Damage - £500
For further details please refer to the policy summary.
Q: What is public liability cover?
Public liability cover is designed to protect you against your legal liability, in connection with your business, to pay compensation and claimant's costs and expenses in respect of accidental injury to any person or damage to material property. Please note that it does not provide cover in respect of injury to your own employees - this will require Employers' Liability.
Q: What is employer's liability cover?
Employers' Liability cover is designed to protect you against your legal liability to pay compensation and claimant's costs in respect of injury and disease sustained by any of your employees undertaking work in connection with your business. Please note that most employers are required by law to have employers' liability insurance. Further advice can be found in the Health and Safety Executive guide (HSE40) which can be found here http://www.hse.gov.uk/pubns/hse40.pdf 
Q: Can you cover my van under the tradesman policy?
This cover can not be included under the Complete Contractor Tradesmen Insurance policy. You can insure your van separately under the Commercial Vehicle policy.
Q: What if my trade is not on the list?
If you can not find your trade on the list please call the Business Insurance Centre on 0800 048 1669 for further assistance. It’s important not to choose another trade as this may invalidate your policy or result in a claim not being paid.
Q: What do I do if I have multiple trades?
The Complete Contractor Tradesmen Insurance policy enables you to choose up to three trades and to tell us the proportion of work you undertake under each of them. If this does not enable you to accurately reflect the work you do then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are detailed as otherwise it may invalidate your policy or result in a claim not being paid.
Q: How many trades can I have on this policy?
The Complete Contractor Tradesmen Insurance policy enables you to choose up to three trades and to tell us the proportion of work you undertake under each of them. If this does not enable you to accurately reflect the work you do then please call the  Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are detailed as otherwise it may invalidate your policy or result in a claim not being paid.
Q: What is the maximum number of people I can cover ?
The policy is only suitable for businesses with up to nine people (including proprietors, partners and working directors). Should you have more employees than this then please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: What covers are available under this product?
The following covers are available:
Public Liability
Employers' Liability
Tools
Contract Works
Personal Accident
Q: If I select the tools section will they be covered in the van overnight?
Yes, providing the vehicle has all points of access closed and secured by all the locks, and any other security devices you have fitted (e.g. a car alarm) are activated and the keys are removed. In addition, after 9pm and before 6am the vehicle must be kept in a securely locked building such as a garage.
Q: I employ more than 9 people, can you cover me?
The policy is only suitable for businesses with up to nine people (including proprietors, partners and working directors). Should you have more employees than this then please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Yes, providing any acceptance criteria are met.
Q: I have some specialist equipment in my home for my occupation, can I list this somewhere on my policy so I know it is covered?
If you would like to have any specialist items listed on your policy please call the Business Insurance Centre on 0800 048 1669 for further help.

Get a quote today

Getting a Complete Contractor Tradesmen Insurance quote is simple and can be completed online. After you've received your quote, you can proceed to checkout following the confirmation of your details and enjoy your quality insurance - it's that simple.

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

      

What will you need?

• The address your business operates from
• The trading name of your company
• The number and amount of any previous claims
• The date you wish the cover to start from 

For further details of the benefits and exclusions that apply, please take a look at the policy summary Complete Contractor Tradesmen Insurance Policy Summary Document or for full details of all the terms and conditions the Complete Contractor Tradesmen Insurance Policy Wording Document Terms and conditions apply to the benefits listed.

If this product does not meet your exact business insurance needs call the Business Insurance Centre on 0800 048 1669

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.