Painters and Decorators’ Insurance
- We guarantee to beat your quote or renewal premium from any other insurer
- Your own dedicated claims handler. If you need to make a claim, you’ll have a dedicated person dealing with your case from start to finish
- A guaranteed free quote
- Worried about tool theft? Our essentials tool cover helps you replace your most important stolen tools within 24 hours, after a few checks
A Concrete Insurance Policy for the Risks You Face
If you have employees, including apprentices and casual labourers, it is a legal requirement to hold employers’ liability insurance. This covers you if an employee is injured or becomes ill due to the work they do for you. For example, if one of your employees hurts their back when lifting heavy objects because of inadequate training. If you take out this insurance, we will cover you for £10 million, as standard.
If you purchase employers’ liability with Trevellyan for Business, you are required to take out public liability insurance with us as well.
We know that when you’re in the trades, your tools are vital and if the worst happens, they can be very expensive to replace, putting a pause on your business.
With Tools cover we can ensure that your most valuable assets are insured whether in your home or out on site.
More and more contractors and tradesmen are being asked to carry professional indemnity insurance. Whether this is due to contract requirements or to provide additional protection to tradesmen who are offering advice, this cover can be added to a tradesman policy or placed separately for a more bespoke level of cover.
We can also cover your stock and materials, such as bricks and cement. We can cover items that are being temporarily stored between jobs, items in transit and items on-site (until they are installed).
If these items are stolen or damaged due to an insured event, such as accidental damage, a fire, flood or storm we will help ensure that these are replaced as quickly as possible.
Own plant covers larger items of machinery owned by the business, such as cement mixers, diggers, dumpers and temporary site huts. This does not include regular items in your toolkit, like a trowel.
We can cover this machinery for theft and damage due to an insured event e.g. fire. We do not cover machinery that has been damaged due to wear and tear.
If your plant requires either annual or bi-annual inspections we can also arrange for this to be done under an Engineering Inspection policy
Hired in plant refers to machinery that you have hired from a third party, either for a short period of time or on permanent hire. The types of machinery we cover include: cement mixers, diggers, dumpers and temporary site huts.
If something happens to the machinery while it is on hire and being used by your business, and the incident is covered by an insured event, e.g. a fire or theft, we can cover the cost of replacing it.
This covers work that is in progress that is damaged by an insured event, such as a fire, flood, vandalism or theft. We can cover the costs required to repair or redo the work.
For example, if you’ve been laying bricks for a new wall and there is a fire on site halfway through the contract, we can help you to complete the contract by:
• covering the costs required to purchase the materials needed to finish the job
• covering the costs required to re-do the parts destroyed by fire
• covering any labour costs to repair the damage
This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients.
At Trevellyan for Business, we let you customise your insurance policy so that you only pay for what you need. So, whether you’re washing floors in an office building or sending employees to clients’ houses, you’re covered if something goes wrong.
We let you choose what type of cover goes into your policy. So whether you work alone or run a cleaning company with employees, you can get insurance that’s just right for your business.