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You may require tradesman insurance if you are a tradesman who works in clients homes or offices.

As a drainage contractor, you never quite know what you’re going to uncover which is why it’s essential to have the right tradesman insurance in place to give you the protection you need, when you need it most. But before you settle for just any policy, it’s important to make sure you’ve considered what’s available, so you know what’s right for you – here’s what to think about.

Who needs drainage insurance?

Drainage insurance is aimed at anyone carrying out work on drains or sewer systems, including repairs and maintenance, cleaning or even removal of debris like tree roots.

Policies cover you for a range of unforeseen events and incidents such as stolen tools and damage to machinery or your business premises. Policies can also meet the cost of legal fees if you need to defend yourself in court.

What does drains insurance cover?

Policies are typically a combination of several different types of business insurance. You’ll also be given the chance to bolt on additional features if a standard drainage insurance plan doesn’t quite fit your needs. Some of the most popular types of insurance worth considering, include:

• Public liability insurance – meets the cost of legal fees and compensation if a member of the public decides to sue you for injury or damage to their property. Cover levels can range from £1 million to as much as £10 million and vary by insurer so check any limits in place. As a general guide, the larger the project or the higher the risk of contact with the public, the more cover you’re likely to need. To give you an idea of what you might need, contractors working for local authorities are often expected to have at least £5 million worth of cover.
• Employers’ liability insurance – covers compensation costs if an employee is injured or becomes sick through work. By law, you must have a minimum of £5 million worth of cover if you have any staff, even if they’re part-time or temporary workers. If you don’t have employers’ liability, you could be fined £2,500 every day you go without it.
• Tools and equipment insurance – covers the cost of damaged or stolen items. Most policies will also cover equipment you’ve hired but always double check to make sure this is the case.
• Personal accident insurance – compensates you for lost income and covers medical costs if you have an accident and can’t work.
• Legal expenses – pays legal fees and court expenses if you need to settle a dispute.
• Business buildings and contents insurance – covers the cost of repairing, rebuilding or replacing your office and contents if they’re damaged because of an insured event (like a fire, flood or attempted theft).
• Contract works insurance – compensates you for any unfinished work you have to re-do because it’s been damaged.

What other features should I look for?

Any extra features you might need will depend on the nature of your business, in most cases, insurers will be able to extend cover to ensure you’re protected. For example, if you carry out excavation work, you may need groundworks insurance to cover these activities.

Similarly, insurers may also be able to extend cover to include working in confined spaces as well as cover costs for damage done to the drain itself.

Can I buy cheap drainage insurance?

Price will always be an important consideration with any insurance plan you choose but it’s crucial to think about what the policy offers as a whole. A cheap policy might tick the box when it comes to price, but it might not give you the level of protection you need.

It’s also vital not to forget about exclusions (events that aren’t covered). Almost all policies will have them, but some may have more than others. A typical exclusion is wear and tear and you’re unlikely to be compensated for items that have been damaged through age or use.

If you want to lower your premium without compromising on levels of cover or features, consider:

• Paying for your policy in one go to avoid interest and admin charges.
• Keeping tools, equipment and business premises as secure as you possible can.
• Claiming only when you have to, as multiple claims can push up premiums.

Compare drainage insurance

Ultimately, comparing policies is the best way to find the cover you need at a price that best fits your budget – and you can do that right here at Quotezone.co.uk. We work with a range of leading UK insurance providers to bring you choice and great value.

To join our network of more than three million happy customers, start your quote right now and let us do the searching for you.