Liability Insurance

We offer a range of policies to meet your public liability insurance and employers' liability insurance needs. We provide cover for over 200 UK trades professions working at third party sites and locations. A selection of covered trades includes electricians, glaziers, decorators, builders, carpenters, painters, bricklayers, plumbers, joiners and plasterers. We are also able to offer you a tailored quote for your van insurance as well. Our trades insurance policies include:

• Public liability insurance
• Employers' liability
• Loss or damage to tool, own plant and phones
• Liability for hired-in plant
• Personal accident cover

Why do I need trade and professional insurance?

Accidents can happen, and could result in sizeable claims for compensation against you and your business. Liability insurance covers awards of damages, legal fees, costs and expenses given to an employee or member of the public as a result of your negligence. Our policies include variable rates of cover tailored to your specific circumstances, including:

• Public Liability insurance - protects you against claims of negligence resulting in injury or damage to property. Your Insurance Group trades policies offer public liability (PL) cover in three levels of indemnity: £1m, £2m and £5m for most trades professions.
• Employers' Liability insurance - protects you against claims of negligence brought by an employee. Failure to have appropriate cover can result in fines up to £2,500 per day (source: Businesslink.gov.uk) Your Insurance Group trades policies carry the industry standard £10m cover.

With Your Insurance Group, there's no time-consuming form-filling either, our team will complete the paperwork for you and make sure your trades policy is right for you. We only work with the UK 's leading insurance underwriters to provide a tailored policy to meet your needs, giving you peace of mind that you are adequately covered. We also offer a monthly payment plan to help you spread the cost of your trades insurance premium.