Trade & Professionals

Secure Your Trade and Professional Ventures with Specialised Insurance Coverage

Overview

Trade and Professional Insurance is a type of insurance coverage that is designed to meet the unique needs of self-employed individuals and small businesses operating in a variety of trades. This aims to provide protection for individuals who work in manual, clerical, and professional trades, ensuring that they are covered for a variety of risks & unforeseen circumstances.

For self-employed individuals and small businesses, having the sufficient insurance coverage is essential to protect their livelihood and assets. Trade & Professional Insurance can provide coverage for a wide range of risks, including legal liabilities, property damage in particular the tools of trade. This type of insurance can also offer protection against additional risks such as your own injury preventing you from working plus also cover for legal claims and lawsuits, helping to safeguard the financial stability of your business.

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How We Can Help

Each businesses risks are unique, therefore the Trade and Professional team at Brown & Brown aim to find our customers comprehensive insurance cover that meets the individual needs of each business.

Whether you are a carpenter, electrician, plumber, accountant, IT (Information Technology) contractor, building contractor, flooring and tiling contractor or any other type of tradesperson or professional, Trade & Professional Insurance can provide the peace of mind you need to focus on your work without worrying about the potential risks.

We understand that the cover you choose will depend on your circumstances, and our team at Brown & Brown will take the time to understand these needs and ensure that the cover provided meets your specific requirements. If you have any questions or want to explore your options, please contact the team.

What is Typically Covered?

  • Public Liability – Whether it is a claim related to personal injury or property damage, having Public Liability Cover in place can provide peace of mind and financial security for your business in covering your Legal Liabilities in connection with the business causing damage or injury to third parties.
  • Product Liability – Likewise this can cover your Legal Liabilities regarding compensation claims for injuries or property damage to third parties caused by products sold or supplied.
  • Employer’s Liability – Employers’ Liability Insurance offers protection by covering the Legal Liabilities associated with compensating employees who sustain injuries or fall ill as a result of their work.
  • Contract Works – provides cover for the extension or new build which forms the contract works.
  • Plant & Equipment – protection of both Own & Hired in plant plus hand tools.

There are many variable covers that may be part of the package including (there may be covers available in addition to the following list) – Professional Indemnity, Personal Accident, Legal Expenses

What is Not Typically Covered?

  • General wear and tear
  • Plant and scaffolding