Employers & Public Liability Insurance for Tradesmen & the Self Employed

Competitive insurance quotations for tradesmen on employers and public liability insurance.

Immediate cover available and certificates issued for proof to main contractors,
Employers Liability - £10 Million limit of indemnity.
Public and Products Liability - choose limits from £1 Million to £10 Million.

Employers Liability is a legal requirement. An employee does not have to be paid to be an employee under law and therefore able to make a claim against you. Generally, someone is defined as your employee if :-

• They are under a contract of service
• If you deduct National Insurance contributions and income tax from the salary when you pay them
• You control how, when and where they work
• If they are unable to work, they cannot employ a substitute

Employees injured due to an employer’s negligence can seek compensation even if the business goes into liquidation or receivership. Also the NHS can claim the costs of hospital treatment.

If you do not have employers liability insurance, the HSE (Health & Safety Executive) can fine you or your company up to £2500 for EACH day that you do not have appropriate insurance.

Public Liability Insurance covers you or your business against the legal costs of claims made against you and also the cost of any awards of damages made to a member of the public or company, for injury or damage to property caused by you or your company.

Products Liability Insurance covers you or your business for injury or damage caused by any product you supply. It will cover the legal costs and the damages awarded against you and also any costs incurred by the NHS for medical treatment.

Too often, companies purchase Employers or Public Liability insurance because they require proof of insurance to undertake a contract. However, what certain companies and contractors fail to realise is that they are protecting their business or personal assets.

You do not have to be liable for a claim to be made against you. Even if you or your company were not negligent, you can incur costs just defending an allegation.

We have seen some contractors having to remortgage their house to pay for the legal costs and compensation for injury or damage they may have caused, just because they failed to take out liability insurance.

Why choose L. F. E. Insurance for your Employers Liability and Public Liability Insurance?

• Independent impartial advice and quotations on your liability insurance
• Competitive premiums from a wide range of leading insurers
• Cover can be tailored to your needs and your trade
• Monthly payment facility
• Independent advice and help on you claims
• Quotes tailored to your needs e.g. a height limit to suit your business, cover to include the use of heat, cover for airport or high risk premises if required.
• Advice on the most flexible policy for your needs e.g. policies that can be extended to include equipment or tools cover, contract works or hired in plant, as and when required

Ring Paul on  0116 284 6095 for independent advice and a free, no obligation insurance quote today!

Or Click here to obtain a quotation.

We can quote for many trades including:-

Abseiling Contractors Insurance Accountants and Bookkeepers Insurance Acoustic Engineers and Thermal Insulation Engineers Acoustic Insulation Contractors Insurance Actuaries Insurance Acupuncturist Insurance Advertising Installation Contractor Aerial & Satellite Dish Erector and Fitter Aerial Erectors and Fitter Aerobic and Fitness Instructor Agricultural Consultancy Agricultural Contractor Air Conditioning Installation Engineers Alarm Installers and Maintainers Animal Breeder Arbitrators Architect and Surveyors Artexer and/or Plasters Artists Asbestos Removal Contractors Insurance Astrology Awning Fitters Barber and Hairdressers Bath Resurfacers Bathroom and Kitchen Installers Beauticians Beauty Therapists Bird Scarers Blacksmith and Farriers Blind Fitter and Curtain Fitter Boiler Servicing and Fitting Book Keeper Bricklayer and Labourer Builders Building Maintenance Burial Societies Business Consultants Cable TV and Satellite Installation Cake Making and Icing & Decorating Car Valeting and Car Cleaning Careers Consultancy Carers Caretakers Carpenters and Joiners Carpet Cleaners Carpet Fitters and Layers Carpet and Upholstery and Curtain Cleaners Cartographers Catalogue and Leaflet Distributors Caterers Cavity Wall and Loft Insulation Insurance CCTV and Electronics Installer Ceiling Contractors Ceiling and Partitioning Installer Central Heating Services Chauffeurs Cherry Picker Operators Child Minders Chimney Sweeps Chiropodist and Therapist Civil Engineers Cleaners - domestic and commercial Commercial Employers and Public Liability Insurance Computer Maintenance and Installers Insurance Computer Programmer and Maintenance Insurance Computer Repairers Computer Servicing Community Group Concrete Drilling Concrete Repairers Conservatory, Window and Porch Erector Construction Plant Repairer and Maintenance Copywriting Courier and Hauliers Insurance Crane Operators Curtain Fitter or Makers Curtain Makers of Fitters Damp Proofing Installer Dance Instructor and Fitness Instructor Data Cable and Telephone Cable Installer

Data Processors Decorators and Interior Design Demolition contractors Dishwasher and Domestic Goods Repair Dishwasher and Domestic Goods Servicing Dog and Animal Grooming Dog Walkers Domestic Electrical Appliances Service Liability Domestic Shed and Glasshouse Erector Domiciliary Care Double Glazing and Window Installer Drainage Contractors Drain Cleaner and Maintenance Drilling Contractor Drive Laying, Block Paving and Patio Installation Dry Lining Dry Stone Walling Duct Work Installer and Maintenance Electrical Appliance Servicing and Installation Electrical Contractors Insurance Electrical Engineer Electrician Electrical Testing Electronic Engineer Energy Consultants Excavator Operators Exhibition Stand Erector and Dismantler Export Consultancy Face Painting and Stage Make Up Artist Falconer Insurance Fascia Board and Gutter Installation Fashion Consultancy Fencing Contractor and Installer Feng Shui Consultancy Fire Consultants Fire Extinguisher Servicing Fire Protection Equipment Installers Fireplace Installation Fish Tank and Pond Cleaners Fisheries Consultancy Fitness Instructor and Dance Instructor Fitted Furniture and Kitchen and Bedroom Installer Fitted Kitchen and Bedroom Installer Floor Screeding Floor Tiler Flooring Contractor Florists Flower Arrangers Forestry Consultants Fork Lift Truck Operators Fork Lift Truck Servicing and Maintenance Forklift Truck Training French Polishers Furniture Repair and Installation Garage & Shed & Greenhouse Erector Garage Door & Gate Installers and Fitters Gardeners and Landscapers Gas Fitters and Installers Gate Fitters and Door Installers Genealogy Glaziers and Window Fitters Graphic Designers Graphology Gravediggers Graveyard Maintenance Grit Blaster Groundworkers Insurance Ground Worker Guttering Installation and Repair Hairdressers, Mobile and Salon Handyman Health and Safety Advisors Heating, Ventilation, Air Conditioning Installers Insurance High Pressure Water Cleaning Hod Carrier Home Help and Domestic Help Home and Commercial Laundry Service Home Tutors and Teachers Homeworkers Insurance Home Workers Horticultural Horticultural Consultancy House Builders House Sitter Hydraulic Engineer Illustrators Image Consultants Import Consultancy Industrial Consultancy

Insulation Contractors Insurance for Clubs and Societies Internet Consultants Interior Designers Inventory Clerk Ironing Service IT Consultant Journalists Kerb, Pavement & Paving Layer Kitchen and Bedroom Installation & Fitter Land Surveyors Landscaper Architecture Landscape Gardeners and Tree surgeons Lawn Care Services Lead work Installer Liability Lift Engineer and Installer Lift Installation & Maintenance Lift Maintenance and Installation Lighting Consultants Locksmiths Loft Conversion Contractor Machine Dismantling and Installation Machine Installation and Maintenance Insurance Machine Servicing and Maintenance Insurance Management Consultants Marine Consultants Market Researchers Massage and Beauticians Mastic Sealant Contractor Milk Delivery and Milkmen Milkman and Milk Delivery Mobile Hairdressers Model Makers Mortgage Brokers Music Publishers Music Teachers Musicians Nail Technicians and Beauticians Occupational Health Consultants Office Equipment and Furniture Installer Office Equipment and Furniture Repairer Office Fitters Painter & Decorators Painting & Decorating Partitioning Contractor Party Planners Patent / Trademark Agents Patios, Paths & Driveway Installers Paving and Patio Layer Patio & Block-Work Installation Pebble Dashing and Rendering Pension Consultants Personal Trainers and Fitness Instructor Pest Control and Falconers Pet Sitter and House Sitter Photographers Picture Framers Piano Teachers Piano Tuners Picture Framers Pipe Fitter and Installers Pipeline Consultants Plasterer and Artexer Plastics Consultants Plumbers and Heating Engineers Political Consultancy Pressure Washing and Cleaners Product Liability Insurance Professional Liability Insurance Professional Indemnity Insurance Proof Readers Property Auditors Property Consultants Property Maintenance Property Valuers Public Liability Insurance Public Relations Quality Assurance Quantity Surveyors Radiator Repairers Rating and Valuation Consultants Recruitment Consultancy Recyclers Insurance Refrigeration Engineer and Installers Refuse Treatment Consultancy Renewable Energy Consultants Renewabl Enerby Installers

Roofers and Scaffolders Roofing & Cladding Safe Engineers Safety Consultancy Satellite Dish and Aerial Installer Scaffolding Contractors and Roofers Script Writers Sculptors and Stonemasons Secretarial Services Security Camera Installers Security Lighting Installers Security Services Sewage Consultants Shed Erector and Dismantlers Shoe Polishers Shoe Repairers Shop Fitters and Shop Fitting Installers Shower Fitters Shuttering Contractors Sign Erectors and Installers Sign Writers and Installers Skip Hirers Liability Slaters and Tilers Smoke Alarm Installers Solar Panel Consultants Solar Panel Engineers Solar Panal Installers Speech Therapist Sports, Fitness and Personal Trainer Sprinkler Installation Steam Cleaners Steel Erectors Steel Fabricators Steel Reinforcing Rod Installers Stone and Monumental Masons Street Furniture Installers Street Furniture Painters Street Furniture Engineers Street Furniture Refurbishers Street Lighting Installation Structural Steel Reinforcement Surveyors Surveyor - Damp Proofing & Control Suspended Ceiling Contractors Swimming Pool Cleaners and Installers Swimming Pool Installers Tax Consultants Telemarketers Telecommunication Consultants and Engineers Telephone Answering Services Telephone Cable and Extension Installers Telephone Point and Telephone Cable Installers Television Repairers Television Installers Thermal Insulation Contractors Tilers Tiling Contractor Timber Decking Installers Timber Decking Contractors Timber Treatment Tower and Steeplejacks Training Consultants Tree Fellers and Loppers Tree Surgeons Tutors and Teachers Trace Heating Installers TV and Video Installation TV and Video Repairers TV Installers Upholsterers Upholstery and Carpet Cleaning Vehicle Windscreens Fitter Vending Machine Servicers Ventilation and Air Conditioning Insurance Village Hall Community Group Wall Tilers Washing Machine Repairs Washing Machine Servicing Web Site Designers Wheelie Bin Cleaners Window Cleaners Window and Double Glazing Fitters Yoga Instructors Zumba Instructors