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

From managing customers needs to organising your admin, running your own business comes with all sorts of demands. With time a valuable commodity, it’s all too easy to delay sorting out your paperwork and more importantly – your business insurance, but doing that could put you and your firm at financial risk. For peace of mind make sure you’ve got an appropriate policy in place – here’s what to think about.

What is glazier insurance?

It’s a type of tradesman insurance aimed at anyone working in the glazing industry – whether you’re self-employed and mainly work alone or run a small business with a handful or dozens of employees.

Policies provide compensation for risks and incidents known as insured events – these typically include things like theft of tools and damage caused by fire, flood and vandalism. Depending on the policy you choose, you could also have your legal expenses covered if someone made a claim against you.

If you don’t have a policy in place or have adequate cover, you’d have to meet these expenses yourself.

What does window fitter insurance cover?

Policies vary by insurer but in most cases you’ll be able to tailor a package that covers the unique risks your business faces. Some of the most common features include:

• Public liability insurance – pays legal fees and compensation if a member of the public blames you for injury or damage to their property and decides to sue you.
• Employers’ liability insurance – covers compensation if a member of staff is injured or becomes sick because of work. You’ll need this by law if you employ anyone, even part-time and temporary workers. If you don’t have employers’ liability, you could be fined £2,500 each day you go without it.
• Tools and equipment insurance – covers the cost of replacing or repairing stolen or damaged tools and equipment. Policies will also usually cover hired equipment but always check the terms and conditions of your policy.
• Legal expenses – pays legal fees and compensation expenses if you need to settle a dispute in court.

What level of glazier insurance do I need?

Different types of insurance have different levels of cover which vary by insurer. In some cases, levels are fixed – for example, tools and equipment insurance might be limited to £10,000 while legal expenses could be up to £100,000 per claim.

In other cases, limits may be offered on a sliding scale – for instance, public liability often ranges from £1million to £5 million but it can be as much as £10 million. If this is the case, you’ll be able to choose the level that’s right for your business based on the risk of a claim being made against you.

If you’re not sure how to go about assessing this, your insurer will be able to help. If you’re a contractor hoping to work with local authorities, bear in mind that you’ll usually be expected to have at least £5 million worth of public liability cover.

Employers’ liability is the only insurance where the minimum amount of cover is set by law. Legally, if you need employers’ liability insurance, then you must have at least £5 million worth.

How much does double glazing insurance cost?

Policies are bespoke based on your needs so premiums can vary considerably depending on the types of insurance and the levels of cover you choose. While it’s tempting to opt for the cheapest policy on offer, it can be a false economy in the long run if it doesn’t actually give you the protection you need.

Instead, compare what features different policies have to offer – even those you might initially dismiss as expensive. You may find that pricier policies are more comprehensive, giving you better all-round value for money.

If you need to get costs down but don’t want to compromise on cover, it’s a good idea to pay for your policy in one go as you’ll avoid any interest and admin charges. You should also try to keep tools, equipment and premises as secure as you can to lower the risk of theft. Another tip is to only claim when you really need to as making lots of claims can push up your premium.

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At Quotezone.co.uk, we’ve helped more than three million customers find an insurance policy that gives them the protection they need at a price that fits their budget. To start your quote simply answer a few questions and we’ll take it from there so that you can carry on with business as usual.